Credit Underwriting Associate
Key Responsibilities:
- Conduct thorough credit analysis of real estate borrowers, including financial statement review, cash flow analysis, and debt service coverage evaluation.
- Assess property-level risks by analyzing market trends, property appraisals, rent rolls, occupancy rates, and comparable sales.
- Prepare detailed credit memos and risk assessments for loan committee presentations.
- Collaborate with originators, asset managers, and legal teams to structure and document real estate credit transactions.
- Monitor existing real estate loan portfolios for performance, covenant compliance, and market exposure.
- Stay current on real estate market trends, regulatory changes, and macroeconomic factors impacting credit risk.
- Support the development and refinement of underwriting models and risk rating frameworks.
Qualifications:
- Bachelor's degree in Finance, Real Estate, Economics, or a related field (Master's or CFA a plus).
- 2-4 years of experience in credit underwriting, real estate finance, or commercial lending.
- Strong understanding of real estate asset classes (e.g., multifamily, office, retail, industrial).
- Proficiency in financial modeling, Excel, and credit risk assessment tools.
- Familiarity with real estate valuation methods (DCF, cap rate, sales comparison).
- Excellent written and verbal communication skills.
- High attention to detail and ability to manage multiple priorities in a fast-paced environment.
FAQs
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