Analyst - Performing Loans

KEY RESPONSIBILITIES

- Negotiate and structure complex real estate and financing transactions.
- Draft comprehensive credit recommendation memoranda and present findings and conclusions to senior management.
- Underwrite performing loan requests—including reserve disbursements, property manager changes, lease approvals, loan assumptions, equity transfers, franchise modifications, and other borrower requests—from initial review through closing.
- Conduct detailed property-level credit analyses, including debt service coverage ratio and debt yield calculations, property-level cash flow modeling, tenant roll analysis, and other financial assessments to support credit recommendations.
- Assess property operating performance through review and analysis of operating statements, rent rolls, and lease agreements.
- Evaluate and abstract third-party reports, loan documentation, service contracts, and leasing or listing agreements to identify key risks and obligations.
- Communicate effectively with borrowers, legal counsel, property managers, vendors, and internal stakeholders to facilitate transaction execution and portfolio management.
- Ensure that all borrower requests and approvals are processed in full compliance with the governing loan documents.
- Effectively uses AI to support research, synthesize information, analyze data, develop insights, and streamline workflows. Applies critical judgment to validate AI-generated outputs for accuracy, relevance, and completeness to finalize deliverables. Uses AI responsibly in accordance with company policies, confidentiality requirements, information-security standards, and applicable governance practices. Maintains awareness of evolving AI capabilities and identifies opportunities to appropriately integrate new tools into day-to-day work.

SPECIFICATIONS

- Bachelor's Degree from an accredited university is required preferably specializing in Real Estate, Finance, Accounting, Economics, or related business field.
- 1+ years of relevant experience in commercial real estate, underwriting, loan servicing, or a related field; relevant internship experience will be considered.
- Advanced proficiency in Microsoft Office Suite, particularly Excel, PowerPoint, and Word.
- AI & Technology Fluency: Demonstrates proficiency in using AI-enabled and digital tools to enhance productivity, analysis, problem-solving, and work quality, applying critical judgment to validate and finalize outputs.
- Excellent verbal, written, and interpersonal communication skills, with the ability to present information clearly and concisely to a variety of audiences.
- Collaborative team player who works constructively with others to accomplish shared goals and identify solutions, while also able to work independently with minimal supervision.
- Highly organized and detail-oriented, with a strong commitment to accuracy, completeness, and accountability in all work product.
- Reliable and dependable, with the ability to manage multiple priorities simultaneously and consistently meet deadlines.
- Results-driven, with strong analytical and problem-solving skills and a focus on delivering high-quality outcomes in a timely manner.
- Flexibility to work outside of standard business hours as needed.

While performing the duties of this job, the Associate is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop.  The Associate must occasionally lift and/or move up to 25 pounds. Evening or weekend work may be necessary to meet deadlines.

This description outlines the basic tasks and requirements for the position noted.  It is not a comprehensive listing of all job duties.

Rialto Capital is committed to the principles of Equal Employment Opportunity. Our policy is to provide equal employment opportunity to all applicants and Associates without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity or expression, national origin, age (40+), disability, veteran status, genetic information (including family medical history), or any other legally protected status.

Our company uses E-Verify to confirm the employment eligibility of all newly hired employees.

To learn more about E-Verify, including your rights and responsibilities please visit: e-verify.gov .