Analyst - Performing Loans

Rialto Capital•Miami, FL

About The Position

The Analyst - Performing Loans underwrites performing loan requests and supports the review, approval, and execution of complex real estate and financing transactions. The role conducts detailed property-level credit and financial analyses, evaluates property operating performance and third-party documentation, prepares credit recommendation memoranda, and presents findings to senior management. It also works with borrowers, counsel, property managers, vendors, and internal stakeholders while ensuring requests and approvals comply with governing loan documents. The role uses AI-enabled and digital tools to support research, analysis, insight development, and workflow efficiency. The Analyst must apply critical judgment to validate outputs and use AI in accordance with company policies, confidentiality requirements, information-security standards, and applicable governance practices. The job description notes that duties may extend beyond those listed and that evening or weekend work may be necessary 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, particularly Excel, PowerPoint, and Word.
Proficiency with AI-enabled and digital tools for productivity, analysis, problem-solving, and work quality, with critical judgment to validate and finalize outputs.
Excellent verbal, written, and interpersonal communication skills, including the ability to present information clearly and concisely to varied audiences.
Collaborative team skills and ability to work constructively toward shared goals and solutions, as well as independently with minimal supervision.
Strong organization and attention to detail, with commitment to accuracy, completeness, and accountability.
Reliability and ability to manage multiple priorities and consistently meet deadlines.
Strong analytical and problem-solving skills and a results-driven focus on timely, high-quality outcomes.
Flexibility to work outside standard business hours as needed.
Occasional physical ability to stand, walk, sit, handle or feel objects, tools, or controls, reach, climb stairs, balance, stoop, and lift or move up to 25 pounds.

Responsibilities

Negotiate and structure complex real estate and financing transactions.
Draft comprehensive 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, property-level cash flow modeling, tenant roll analysis, and other financial assessments to support credit recommendations.
Review and analyze 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 key 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 AI-generated outputs and use AI responsibly under applicable company policies and standards.
Maintain awareness of evolving AI capabilities and identify appropriate opportunities to integrate new tools into day-to-day work.