Job Title: Financial Loan Officer - Commercial Real Estate

Position Overview

The Financial Loan Officer plays a critical role in structuring, analyzing, and managing commercial real estate loans. This position is ideal for candidates with a background in banking, lending, or credit analysis who are eager to apply their financial expertise in a dynamic real estate environment. The ideal candidate brings strong analytical capabilities, in-depth underwriting and credit knowledge, and the ability to build and maintain strong institutional relationships.

Key Responsibilities

Loan Origination & Structuring

• Source, structure, and process commercial real estate loans, including acquisitions, refinancings, and recapitalizations.
• Collaborate with lenders to negotiate favorable loan terms while ensuring compliance with lending policies.
• Prepare comprehensive financing packages and supporting documentation for loan submissions.

Credit & Risk Analysis

• Evaluate borrower creditworthiness through analysis of financial statements, rent rolls, DSCR, LTV, and related metrics.
• Conduct underwriting, risk assessments, and due diligence to support loan approval decisions.
• Monitor ongoing loan performance and identify potential risks, covenant breaches, or exposure issues.
• Ensure adherence to regulatory, legal, and institutional lending requirements.

Financial Analysis & Reporting

• Develop and maintain financial models to support underwriting and investment decisions.
• Prepare credit memos, loan summaries, and periodic performance reports.
• Track and analyze portfolio metrics including DSCR, NOI, LTV, IRR, and cash flow.
• Partner with property management and accounting teams to validate assumptions and financial data.

Relationship Management

• Build and maintain strong relationships with banks, insurance companies, and other financial institutions.
• Serve as the primary point of contact for lenders throughout underwriting, closing, and post-closing reporting.
• Represent the company in lender meetings, investor presentations, and industry events.

Process & Compliance Oversight

• Utilize Yardi and other financial systems to manage loan data, payments, and compliance requirements.
• Ensure accuracy, completeness, and integrity of all loan-related documentation.
• Recommend process enhancements to improve efficiency in loan administration and reporting.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field (MBA or professional certifications preferred).
• Minimum of 5 years of experience in commercial lending, loan origination, or real estate credit analysis.
• Strong understanding of commercial real estate lending practices, underwriting standards, and credit policies.
• Advanced Excel skills required; experience with Yardi and/or Argus strongly preferred.
• Demonstrated ability to structure and close complex financing transactions.
• Excellent negotiation, communication, and relationship management skills.
• Highly organized, detail-oriented, and capable of managing multiple transactions concurrently.