Analyst - Performing Loans

Rialto Capital•Miami, FL

19h

About The Position

The Analyst - Performing Loans underwrites performing loan requests and supports the execution and management of commercial real estate transactions and portfolios. The role includes analyzing property-level financial performance, reviewing loan and third-party documentation, preparing credit recommendations, and coordinating with borrowers, counsel, property managers, vendors, and internal stakeholders. The Analyst must ensure borrower requests and approvals comply with governing loan documents. The position also uses AI-enabled and digital tools to support research, analysis, insight development, and workflow efficiency. The Analyst is expected to validate AI-generated work for accuracy, relevance, and completeness, use AI in accordance with company policies and security requirements, and stay aware of evolving capabilities and appropriate applications. A bachelor's degree and at least one year of relevant experience are required; relevant internship experience will be considered. Flexibility outside standard business hours may be needed, including occasional evening or weekend work to meet deadlines.

Requirements

Bachelor's degree from an accredited university; preferably in Real Estate, Finance, Accounting, Economics, or a related business field.
At least 1 year of relevant experience in commercial real estate, underwriting, loan servicing, or a related field; relevant internship experience will be considered.
Advanced proficiency in Microsoft Office Suite, particularly Excel, PowerPoint, and Word.
Proficiency using AI-enabled and digital tools to improve productivity, analysis, problem-solving, and work quality, with critical judgment to validate outputs.
Excellent verbal, written, and interpersonal communication skills, including the ability to present information clearly and concisely to varied audiences.
Collaborative and constructive team skills, with the ability to work independently with minimal supervision.
Strong organization, attention to detail, accuracy, completeness, and accountability.
Reliability and ability to manage multiple priorities and consistently meet deadlines.
Strong analytical and problem-solving skills, results orientation, and commitment to timely, high-quality outcomes.
Flexibility to work outside standard business hours as needed.
Occasionally stand, walk, sit, use hands to handle objects or controls, reach, climb stairs, balance, and stoop; occasionally lift or move up to 25 pounds.

Responsibilities

Negotiate and structure complex real estate and financing transactions.
Draft credit recommendation memoranda and present findings and conclusions to senior management.
Underwrite performing loan requests, including reserve disbursements, property manager changes, lease approvals, loan assumptions, equity transfers, franchise modifications, and other borrower requests, from initial review through closing.
Conduct property-level credit analyses, including debt service coverage ratio and debt yield calculations, cash flow modeling, tenant roll analysis, and other financial assessments.
Review operating statements, rent rolls, and lease agreements to assess property operating performance.
Evaluate and abstract third-party reports, loan documentation, service contracts, and leasing or listing agreements to identify risks and obligations.
Communicate with borrowers, legal counsel, property managers, vendors, and internal stakeholders to facilitate transaction execution and portfolio management.
Ensure borrower requests and approvals are processed in compliance with governing loan documents.
Use AI to support research, synthesize information, analyze data, develop insights, and streamline workflows; validate outputs and follow applicable company policies, confidentiality requirements, information-security standards, and governance practices.
Maintain awareness of evolving AI capabilities and identify appropriate opportunities to integrate new tools into daily work.