Who we are
- Shape a brighter financial future with us.
- Together with our members, we’re changing the way people think about and interact with personal finance.
What You'll Do
- Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties
- Spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements
- Build and maintain financial models, cash flow analyses, and debt service coverage calculations
- Prepare clear, well-supported credit memoranda and internal reports for loan committees
- Assist with underwriting and analysis of commercial lines of credit, business term loans, and SBA loan requests
- Conduct global cash flow analysis for complex borrowing relationships
- Work closely with relationship managers, portfolio managers, and customers to obtain required documentation and clarify financial information
- Support ongoing portfolio monitoring, including annual reviews, covenant tracking, and risk rating updates
- Ensure compliance with bank credit policy, regulatory requirements, and SBA underwriting standards
- Utilize loan operating systems and data tools to manage credit files and reporting efficiently
- Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties
- Spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements
- Build and maintain financial models, cash flow analyses, and debt service coverage calculations
- Prepare clear, well-supported credit memoranda and internal reports for loan committees
- Assist with underwriting and analysis of commercial lines of credit, business term loans, and SBA loan requests
- Conduct global cash flow analysis for complex borrowing relationships
- Work closely with relationship managers, portfolio managers, and customers to obtain required documentation and clarify financial information
- Support ongoing portfolio monitoring, including annual reviews, covenant tracking, and risk rating updates
- Ensure compliance with bank credit policy, regulatory requirements, and SBA underwriting standards
- Utilize loan operating systems and data tools to manage credit files and reporting efficiently
What You'll Need
- Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or a related field
- Minimum of 5 years of commercial credit analysis or underwriting experience, preferably within a bank or financial institution
- Strong experience underwriting commercial real estate loans, particularly multifamily
- Working knowledge of commercial lending products, including lines of credit and business term loans
- Familiarity with SBA loan underwriting and documentation requirements
- Advanced proficiency in Microsoft Excel, including financial modeling and cash flow analysis
- Experience with nCino or similar advanced loan operating systems
- Working knowledge of Airtable or comparable data management tools
- Strong analytical, organizational, and written communication skills
- Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or a related field
- Minimum of 5 years of commercial credit analysis or underwriting experience, preferably within a bank or financial institution
- Strong experience underwriting commercial real estate loans, particularly multifamily
- Working knowledge of commercial lending products, including lines of credit and business term loans
- Familiarity with SBA loan underwriting and documentation requirements
- Advanced proficiency in Microsoft Excel, including financial modeling and cash flow analysis
- Experience with nCino or similar advanced loan operating systems
- Working knowledge of Airtable or comparable data management tools
- Strong analytical, organizational, and written communication skills
Preferred Qualifications
- Experience supporting relationship managers in a commercial banking environment
- Familiarity with portfolio management and ongoing credit monitoring
- Ability to manage multiple priorities in a deadline-driven environment
- Strong customer-facing communication skills and collaborative mindset
- Experience supporting relationship managers in a commercial banking environment
- Familiarity with portfolio management and ongoing credit monitoring
- Ability to manage multiple priorities in a deadline-driven environment
- Strong customer-facing communication skills and collaborative mindset
What We Offer
- Competitive salary and benefits package
- Opportunity to work with a growing commercial real estate portfolio
- Collaborative team environment with exposure to complex credit structures
- Professional development and advancement opportunities
- Competitive salary and benefits package
- Opportunity to work with a growing commercial real estate portfolio
- Collaborative team environment with exposure to complex credit structures
- Professional development and advancement opportunities
