Senior Analyst

About the Role

Senior Analyst SME to support underwriting and investment decision-making for Agency and Non-Agency CRE loans, portfolio analysis, and deal pipeline tasks. The role involves financial modeling, market research, due diligence, and preparation of investment memorandums for Investment Committee. What You'll Do

• Screen/underwrite Agency Loans (Fannie Mae) and Non-Agency Loans; derive underwriting value; perform financial spreading and rent roll analysis; prepare Investment Committee Memos.
• Portfolio stratification across asset classes; assess risk using property-level, loan-level, and performance metrics; extract market and asset statistics from data sources (CoStar or similar) for shortlisted deals.
• Compare key deal metrics (occupancy, cap rates, debt yield, cash flow, NOI) of pipeline deals with existing portfolio.
• Analyze property pictures and maps for location-based insights; prepare the capital stack (Equity vs Debt) and present in Excel and PPT.
• Collect and prepare sales and rent comparables with market data from broker reports or web-based applications.
• Study demographics to understand unit mixes; interpret all sources of incomes & expenses through review of cash flows, ascertain vacancy rates & rental income using rent rolls and using NOI to calculate key liquidity ratios i.e., DSCR, DY.
• Create investment memorandums with the deal team ahead of Investment Committee; conduct due diligence prior to closing per closing checklist; data input in pipeline tools (DealPath, Loan Tapes) as required. What We're Looking For
• Must have a good knowledge of US Real Estate Industry and Market in underwriting the CML/CRE loans across all sectors; hands-on experience in underwriting the Multifamily agency (Freddie & Fannie) loans.
• Should be aware of the US taxes for different States and Counties; along with knowledge of various rent/sales comparable to be used in accordance with subject properties.
• Must be well versed with concepts of Cap Rate/Index rate/ LTC/LTV/Spreads/Cap Stack, Implied vs Cash Equity and various loan specific terminologies; understand UW In-place and Mark to Market assumptions using property financials and its demographics through broker provided offering memorandum.
• Candidate should have the knowledge of US Market and Sub-Market to understand the deal’s demographics and its impact on the subject property.
• Hand on experience and proficient in preparing the dynamic financial models in MS Excel.
• Master’s degree – Major in Finance or Banking and Capital Markets, CFA designation a plus.
• Exceptional quantitative aptitude and skill set with a mastery of Microsoft Office applications.
• Ability to manage multiple priorities in a fast paced, fluid environment.
• Previous background with real estate lending required with Debt Underwriting’ in real estate preferable.
• Rigorous analytical mindset with a high level of intellectual curiosity and excellent problem-solving skills.
• Acute focus on attention to detail, accuracy, and data validation.
• Effective communication skills (listening, verbal, and written).
• Excellent interpersonal and teamwork skills.
• Sound judgment and discretion.
• Strong initiative, energy and confidence completing assignments with limited supervision. Nice to Have
• CFA designation a plus. Compensation & Benefits
• Salary and benefits not disclosed in posting.