CRE Risk Analyst

Renovo Financial • Chicago, IL

1d

About The Position

The CRE Risk Analyst supports ongoing oversight and risk management of Renovo Financial’s Residential CRE loan portfolio across bridge and term loan products. The role monitors loan compliance, borrower performance, and asset-level risk to ensure adherence to credit policy and loan structure throughout each loan’s life.

The analyst conducts asset- and portfolio-level analysis, supports underwriting and loan modifications, and serves as a primary point of contact for performing borrowers. Working closely with Asset Management and internal stakeholders, the role helps identify, assess, and mitigate emerging portfolio risks.

Requirements

• Bachelor’s degree in Finance, Real Estate, Accounting, Economics, or a related discipline.
• At least 5 years of experience in portfolio management, credit analysis, asset management, or real estate lending.
• Strong understanding of credit risk metrics, including LTV, LTC, DSCR, debt yield, sponsor liquidity, and covenant structures.
• Demonstrated ability to analyze financial statements, borrower financials, project budgets, and construction schedules.
• Experience with loan extensions, modifications, and ongoing asset surveillance across active portfolios.
• Strong written and verbal communication skills, with the ability to interact directly with borrowers and internal stakeholders.
• Proficiency in Excel and Microsoft Office.

Nice To Haves

• Experience in real estate lending, preferably within RTL, multifamily, or construction-focused lending.
• Experience using loan servicing systems or CRM platforms such as Salesforce.

Responsibilities

• Manage ongoing oversight of the full Residential CRE loan portfolio, including bridge and term loans, ensuring adherence to credit policy, loan structure, and risk parameters.
• Work directly with borrowers to complete covenant monitoring and compliance tracking, including financial reporting requirements, liquidity tests, completion milestones, and performance triggers.
• Conduct asset- and borrower-level analysis, evaluating project progress, sponsor performance, operating trends, and emerging risk factors.
• Prepare portfolio-level risk analysis and reporting, including concentration analysis, exposure monitoring, trend identification, and risk escalation.
• Support loan underwriting and modification activity, including extensions, amendments, and refinance evaluations.
• Serve as a primary point of contact for performing borrower communication, providing project updates, monitoring construction progress, and coordinating issue resolution.
• Review and analyze construction draws in partnership with the Asset Management team to ensure budget adherence, completion status, and risk mitigation.
• Review borrower concentration and exposure considerations for accounts with Residential CRE exposure in addition to other non-CRE products.
• Perform ongoing third-party surveillance of key accounts, including lien searches, credit monitoring, and review of servicing information such as tax and insurance compliance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level