Senior Credit Analyst, Private Client Group - LendingOne

LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with an additional office in Charlotte, NC. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2024 - for the third consecutive year -  by Sun Sentinel!

We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $5 Billion in real estate capital.

We are not your typical corporate environment. We focus on providing excellent client service, a professional approach, and true reliability.

At LendingOne, we view our people as the backbone of our success. We hire for character and ambition and believe in providing a platform to our employees that cultivates an environment of mutual trust, respect, and benefit.

Position Overview:

We are seeking a collaborative, driven Senior Credit Analyst, PCG with a passion for real estate finance and a natural curiosity for uncovering insights to join our growing Private Client Group (PCG). This individual will play a pivotal role in underwriting and analyzing complex portfolio real estate loans while serving & reporting into the Director of Credit, PCG. Success in this role requires a positive & detail-oriented mindset, advanced analytical skills, and the ability to navigate a collaborative, fast-paced environment within the mortgage or private lending industry.

Requirements

Qualifications: 

The following list of qualifications and responsibilities is not all inclusive, as each employee is expected to be a team player and may be assigned other tasks as necessary. This is meant to serve as an overview of the position description: 

Required Skills: 

• Minimum of 3 years of experience in commercial/portfolio underwriting or credit analysis.
• Proven experience in a collaborative, matrix-style environment within the mortgage or private lending industry.
• Intermediate to advanced proficiency in Excel, including financial modeling and data analysis.
• Excellent written and verbal communication, strong organizational skills, and time management.
• High attention to detail and critical thinking skills, with the ability to anticipate and address potential issues.

Preferred Skills:

• Bachelor’s Degree with a focus in finance, business or related field.
• Minimum of 5 years of experience in interpreting and recommending guidelines, demonstrating creativity and critical thinking in proposing alternative solutions and exception handling.
• Experience mentoring and developing Junior Credit Analysts or Underwriters through effective knowledge transfer.
• A proactive and adaptable approach to problem-solving with a positive, team-oriented mindset.

Responsibilities: 

• Conduct full underwriting for complex portfolio loans, including borrower and property analysis.
• Perform detailed credit evaluations by reviewing financial documents, analyzing borrower qualifications, and assessing property performance.
• Consider various properties owned by investor when appropriate, understand experience and performance of other investments
• Identify potential risks – associated with either borrower or property, the Sr Credit Analyst will determine if the risk is too high or if alternative financing/ rates and terms are more appropriate based on specific conditions of the loan. 
• Perform property underwriting by evaluating acquisition costs, renovation plans, rental income projections, and market conditions.
• Create summary reports – summarize loan applications and credit analysis in one concise report which will include quantitative and qualitative evaluation of the loan – property, borrower, advantages, and potential risks to consider.
• Investigate variances on applicant’s financial statements if and when necessary 
• Verify market comparables for property valuations and rental income.
• Review appraisals to ensure compliance with established standards and provide recommendations when necessary.
• Seek approval of final loan terms, ensuring proper internal communication and documentation of underwriting decisions are performed. 
• Maintain productivity level and turn times as established by management. Prioritizes the underwriting caseload to meet various deadlines.
• Business relationship management skills and the ability to understand and anticipate the needs of respective business stakeholders.
• Mentor and support Junior Credit Analysts through training, knowledge sharing, and professional development initiatives.

Benefits

WE OFFER:

• Competitive salary depending on experience
• Training and career development with growth opportunities
• Comprehensive benefits package
• Company matching 401(k) Plan
• Casual work environment

LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.