Analyst Real Estate Bridge Lending

The Bancorp Bank, N.A.•New York, NY

8d•Onsite

About The Position

The Analyst Real Estate Bridge Lending role supports the origination and underwriting of new commercial real estate bridge loans, asset management of existing loans, and secondary capital markets transactions. The position provides financial analysis and due diligence to help the Real Estate Bridge Lending (REBL) team evaluate credit risk, monitor loan performance, and execute transactions. The Bancorp’s REBL team provides customized, non-recourse commercial real estate bridge loans nationwide, with service from origination through funding. The Analyst builds and maintains property cash flow and valuation models, conducts debt service coverage ratio and debt yield analyses, manages diligence materials and information flow, and supports transaction execution alongside senior deal team members. The position also reviews property performance and business plan progress for existing loans, prepares credit and asset management materials, supports capital markets transactions, and monitors commercial real estate and capital markets developments. The role requires up to 25% travel. Success includes producing accurate, well-documented financial analyses; meeting underwriting, portfolio review, and transaction deadlines; maintaining organized diligence trackers; identifying and escalating material credit concerns; protecting confidential information; and communicating professionally with stakeholders.

Requirements

Undergraduate degree in a related field or an equivalent combination of training and experience.
Up to 25% travel required.

Nice To Haves

Commercial real estate experience.
Strong financial modeling, valuation, and analytical skills, including experience analyzing commonly used financial statements.
Broad knowledge of commercial real estate, a basic understanding of legal and tax considerations, and the ability to conduct thorough independent research.
Strong verbal, written, and interpersonal communication skills, including professional client interactions and the ability to communicate concepts concisely and support conclusions.
Strong organizational skills, attention to detail, and a proactive approach to working collaboratively with competing deadlines.
High-level proficiency in Microsoft Office, including Excel, PowerPoint, Word, and Outlook.

Responsibilities

Build and maintain financial models to analyze property cash flow and valuation under different operating scenarios.
Perform debt service coverage ratio (DSCR) and debt yield analyses on commercial real estate collateral nationwide.
Manage due diligence by reviewing borrower, sponsor, property, and market information; maintaining data rooms and diligence trackers; and coordinating information flow.
Order and review third-party appraisals, environmental, engineering, zoning, insurance, title, and legal documents with senior team members.
Support origination and transaction execution by coordinating with senior deal team members, borrowers, transaction counterparties, counsel, and other advisors.
Track outstanding items and follow up to support completion of transaction milestones.
Assist with asset management of existing bridge loans by reviewing property financial statements, rent rolls, and business plan progress against underwriting assumptions.
Update asset summaries and communicate material variances or emerging credit concerns to senior team members.
Prepare credit committee presentations, asset reports, and responses to investor and corporate inquiries.
Support secondary capital markets transactions by compiling and reviewing loan information and coordinating transaction diligence and investor requests.
Monitor developments in commercial real estate and real estate capital markets nationwide.
Evaluate and share information relevant to property values, underwriting assumptions, and loan repayment prospects.
Perform other duties as assigned.