Credit Analyst

Credit Analyst — Private LendingAbout the RoleWe are San Diego's largest private money lender looking for a detail-oriented and financially savvy Credit Analyst to join our private lending team. This role is responsible for evaluating borrower applications, analyzing real estate deals, preparing term sheets, and supporting loans from submission through closing. You'll work closely with borrowers, sales, and processing to ensure deals move efficiently and meet our underwriting standards.Unique OpportunityIn this role, you'll work directly alongside the founder, one of the most experienced residential real estate investors in San Diego. This gives you the opportunity to learn from a leader with deep industry knowledge and gain hands-on exposure to real-world dealmaking, underwriting, and strategic decision-making.Key ResponsibilitiesReview and analyze borrower financials, credit reports, and loan applicationsEvaluate real estate collateral, including ARV, comps, construction budgets, rents and project feasibilityPrepare loan summaries, risk assessments, and recommendations for approvalDraft and deliver term sheets to borrowersCoordinate with sales, processing, and closing to ensure smooth and timely loan executionCommunicate with borrowers to collect documentation and clarify underwriting questionsTrack deal progress and maintain accurate records in our CRMIdentify potential risks, red flags, and compliance issuesAssist with portfolio monitoring and draw reviews when neededQualificationsExperience in real estate finance, underwriting, lending, or a related field (preferred)Strong analytical and financial modeling skillsFamiliarity with construction, multifamily or fix-and-flip projects is a plusExcellent communication and organizational skillsDetail-oriented with the ability to manage multiple deals at onceWhat Success Looks LikeAccurate, timely underwritingClear communication with borrowers and team membersSmooth handoff from underwriting to processing and closingLoans that align with company guidelines while supporting borrower successBecause we work on a hybrid schedule and are in office 2-3 days a week in our La Jolla HQ, we ask that all applicants be located in San Diego.