Analyst/Associate, Residential Debt

Position Summary

We are looking for an experienced analyst or associate to join our residential mortgage lending team. The team focuses on generating loan investment opportunities from loan servicers, lenders, and real estate firms across the capital structure. The candidate will play a key role in financial analysis, due diligence, and asset selection to ensure that returns are maximized.

Primary Functions & Responsibilities

* **RTL Underwriting:** Underwriting of residential real estate bridge loans (RTL) and individual loans, including detailed review of borrower profiles, property appraisals, renovation budgets and schedules, leverage, and valuation to ensure that investment objectives are met. Support in assessing credit risk through financial modeling and stress testing. * **Financial Modeling:** Creation and maintenance of financial models, conducting property valuations, cash flow analysis, scenario modeling, and yield analysis. * **Sourcing & Origination:** Assistance in cultivating and maintaining relationships with RTL providers and lenders to generate opportunities across the capital structure. * **Portfolio Management:** Monitoring the performance of loans and portfolios. Assisting with the structuring and closing of investments, including preparing draft contracts, reviewing documents, and negotiating loan terms. * **Portfolio Management:** Tracking the performance of loans and portfolios. Assisting with active portfolio management. Assisting with the restructuring and rehabilitation of loans.

Qualifications

* Bachelor’s degree required. * 1–5 years of relevant experience in residential real estate lending, RTL, origination/aggregation, structured finance, real estate lending, or asset-backed lending. * Strong experience in underwriting RTL, whole loans, or senior secured lending is strongly preferred. * Familiarity with whole loan trading or warehouse lending is a plus. * Significant experience managing loan portfolios and waterfalls. * Knowledge of Python is a plus. * Strong written and verbal communication skills to present complex investment ideas clearly and concisely. * Detail-oriented, organized, and able to manage multiple work streams in a fast-paced environment. * Strong analytical skills and attention to detail.

We offer

* Competitive vacation time, retirement and health insurance, life and long-term disability insurance, group health insurance, enhanced parental leave, and seniority leave. Depending on your location, additional benefits such as private health insurance and pet insurance may be available. * A comprehensive benefits package that allows you to shape and grow your career.