Associate, Credit and Underwriting

Atrium is partnering with an experienced commercial real estate finance company headquartered in Los Angeles, CA.  Our client specializes in small-balance commercial lending including Business Commercial Real Estate Financing, Investment Commercial Real Estate Financing, and Loan Servicing. The team is now looking for an Associate, Credit and Underwriting.

Salary/Hourly Rate:

$90k – $150k annually.

Position Overview:

The Associate, Credit and Underwriting, is a key player in managing and overseeing the underwriting of new commercial real estate loans. This Associate, Credit and Underwriting role also includes managing a portfolio of closed loans, ensuring the quality, completeness, and accuracy of the analysis that precedes credit and business decisions. The Associate, Credit and Underwriting will play a crucial role in managing the overall risk composition of our client’s loan portfolio.

Responsibilities of the Associate, Credit and Underwriting:

• Manage and oversee the underwriting process for new commercial real estate loans.
• Ensure thorough and accurate analysis of potential loan opportunities, including financial, market, and property assessments.
• Manage a portfolio of closed loans, ensuring ongoing monitoring and analysis to maintain the quality and performance of the loan portfolio.
• Identify and mitigate potential risks and issues.
• Evaluate and manage the overall risk composition of the loan portfolio.
• Develop strategies to mitigate risk while optimizing returns.
• Conduct detailed credit analysis and due diligence on prospective borrowers.
• Prepare comprehensive credit memos and recommendations for loan approval.
• Work closely with internal teams, including credit, origination, and legal, to ensure seamless execution of loan transactions.
• Collaborate with external stakeholders, such as borrowers, brokers, and appraisers, to facilitate the underwriting process.
• Ensure all loan documentation is complete, accurate, and complies with company policies and regulatory requirements.
• Maintain up-to-date records and files for all loan transactions.
• Stay informed about market trends, property values, and economic conditions that could impact the commercial real estate market.
• Utilize this knowledge to inform underwriting decisions and risk assessments.

Qualifications for the Associate, Credit and Underwriting:

• Minimum of 3-5 years of experience in Commercial Real Estate Underwriting, Credit Analysis, or related roles.
• Strong analytical and quantitative skills, with the ability to interpret complex financial data.
• Excellent attention to detail and accuracy.
• Proficiency in financial modeling and underwriting software.
• Exceptional written and verbal communication skills.
• Ability to present complex information clearly and concisely to various stakeholders.
• Ability to work collaboratively in a team-oriented environment as an Associate, Credit and Underwriting.
• Strong interpersonal skills and the ability to build and maintain relationships with internal and external partners.
• Strong problem-solving skills and the ability to think critically and strategically.
• Ability to manage multiple tasks and priorities in a fast-paced environment.

Education Requirements:

• Bachelor’s degree with a concentration in Business, Accounting, or Finance.
• MBA or another advanced degree is preferred.

Benefits:

• Competitive salary and performance-based bonuses.
• Comprehensive benefits package, including health, dental, and vision insurance.
• Opportunities for professional growth and advancement.

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EOE/M/F/D/V/SO