Credit Analyst

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Job Description

Credit Analyst supporting investment underwriting and asset management for a boutique capital markets firm. Involves financial analysis, portfolio performance reporting, and covenant compliance in a remote setting.

Responsibilities:

  • Build and maintain dynamic cash flow models for acquisition and investment opportunities
  • Develop 5-year cash flow projections for existing portfolio assets
  • Support the preparation of investment committee memos, lender packages, and transaction summaries
  • Track loan covenants, including DSCR thresholds, reserve requirements, and reporting deadlines
  • Maintain and update a centralized covenant monitoring dashboard
  • Proactively identify and escalate potential compliance risks
  • Coordinate with property management and accounting teams to ensure timely and accurate reporting
  • Prepare monthly and quarterly asset performance reports, including variance analysis and risk insights
  • Support portfolio-level analytics such as concentration analysis, exposure mapping, and risk scoring
  • Assist in annual business plan reviews and strategic portfolio discussions
  • Analyze loan agreements, servicing standards, and lender requirements to identify key obligations
  • Summarize critical terms, covenants, and trigger events for internal stakeholders
  • Support compliance efforts related to lender inspections, audits, and annual reviews

Requirements:

  • 1–4+ years of experience in commercial real estate, credit analysis, banking, or related fields
  • Strong financial modeling and analytical skills, with the ability to work with large datasets
  • Familiarity with office and/or multifamily asset classes preferred
  • Ability to interpret loan documents, financial statements, and lease structures
  • Highly organized with strong attention to detail and the ability to manage recurring deadlines
  • Strong written and verbal communication skills, particularly in lender-facing scenarios

Benefits:

  • $400 Placement Bonus after successfully completing your first 30 days with your first MOD client
  • Independent Contractor Referral Program – Earn up to $330 for every successful referral
  • MOD Cash Advance Program available after 6 months of active service with MOD client/s
  • Comprehensive HMO Coverage for you and 1 dependent, starting after 6 months of active service with MOD client/s
  • Dental Benefits through Maxicare Dental Hub
  • Optical Reimbursement for HMO principal members
  • Group Life Insurance with Accidental Death & Dismemberment coverage
  • Maternity Reimbursement for both normal and Caesarean delivery
  • 6 Paid US Holidays
  • 7 Additional Vacation Leave Credits after 10 months of active service with the current MOD client
  • 7 Additional Sick Leave Credits after 1 year of active service with the current MOD client/s
  • Unlimited Upskilling Opportunities through MODUniversity
  • Mentorship and collaboration with global leaders and teams
  • Clear career advancement pathways within the organization
  • Diverse, inclusive, and supportive workplace environment