Senior Credit Associate

• Responsible for the initial sizing of deal & borrower for term sheet, modifications, and take out financing.
• Exhibiting a deep understanding of firm's loan underwriting guidelines, pricing grids and leverage partners credit boxes to identify loans that are ineligible.
• Consistently providing quick, yet accurate, responses to all inquiries about assigned credit files, and maintaining dialogue with lending staff to determine the viability of new loans or strategies related to the renewal of existing loans as it relates to terms and structure.
• Contributing feedback and participating in Credit Committee meetings and decisioning.
• Make decisions that will positively impact the company & its ability to achieve its goals.
• Partner with Relationship Managers and Directors to screen and underwrite new lending opportunities, providing indicative terms based on preliminary deal data. Analyze sponsor pro formas, budgets, borrower financials, and market data to assess feasibility and determine appropriate loan sizing. Leverage insights from multiple platforms to support the "Pro Deal Mentality" and ensure alignment with the firm’s Risk Appetite.
• Work with Relationship Managers and Directors to complete New Business Submissions for presentation to the Credit Committee, and prepare any necessary change memos following initial Committee approval. Support RMs throughout the deal process by serving as a key point of contact for brokers and sponsors - gathering information, addressing questions, and keeping deals moving forward efficiently.
• Structuring loans based on deal-level risks and mitigants.
• Evaluating borrower experience and history of execution.
• Evaluating real estate investment deal strategies, and the underlying assets as-is and after-repair values.
• Underwriting properties and borrower financials with a focus on a pro deal mentality while creating approval memos, making good credit decisions and recommendations, and identifying and mitigating risks.
• Gaining a deep understanding of: built to rent, lot development & multi-family construction real estate deals or DSCR loans.

• 5+ years experience in underwriting, credit analysis, and/or commercial lending.
• Bachelor’s degree in Finance, Accounting, Business, or Economics.
• Financial Acumen: Expertise in reading financial statements, market reporting data, building financial models, and assessing creditworthiness.
• Risk Management: Proven ability to analyze complex data, identify risks, and make sound, objective credit decisions.
• Communication: Clearly explaining decisions to clients, brokers, and internal teams.
• Attention to Detail: Ensuring accuracy in reviewing applications and policies
• Analytical & Critical Thinking: Interpreting data, questioning assumptions, and making logical decisions.

Unlimited PTO, health/dental/vision/life insurance, 401(k) matching, parental leave, adoption services reimbursement/learning/educational incentives, Volunteer Time Off, well-being programs, company events, self improvement/productivity tools, & the incredible feeling of making a difference.