Analyst - Performing Loans

Job Description

• Underwrite performing loan requests for reserve disbursements, property manager changes, lease approvals, loan assumptions, equity transfers, franchise changes and other requests as needed from time of assignment through closing stages
• Perform property-level quantitative credit analyses including: debt service coverage ratio calculations, debt yield calculations, property specific cash flow analysis, tenant roll, and other financial analysis/modeling in order to formulate and substantiate a credit recommendation
• Analyze property operating performance through review of operating statements, rent rolls and leases
• Evaluate and abstract third-party reports, loan documents, service contracts and leasing / listing agreements
• Negotiate complex transactions
• Draft credit recommendation memoranda and present conclusions to senior management
• Communicate effectively with internal and external parties including borrowers, legal counsel, property managers, vendors, and other Rialto departments
• Ensure all requests are handled in compliance with the terms of the related Loan Documents

• Bachelor’s Degree from an accredited university is required preferably specializing in Real Estate, Finance, Accounting or related business field
• Master’s Degree or other post-graduate degree preferred
• 1-3 years of related experience in commercial real estate, property underwriting, loan servicing, or other related field is preferred
• Proficiency with Microsoft Office applications
• Excellent written and verbal communication skills are essential attributes with strong interpersonal skills for effective interactions with internal and external stakeholders
• Strong work ethic and attention to detail
• Ability to multi-task and collaborate within a team setting