Job Description

Company is seeking a highly analytical and detail-oriented Credit & Risk Analyst to lead and strengthen the company’s underwriting and portfolio risk management functions.

This role is designed for someone who thrives in structured environments, applies disciplined decision-making, and relies on data, evidence, and process to guide conclusions.

As the company continues to scale its residential fix-and-flip lending platform, this individual will serve as a central authority in credit quality, risk evaluation, and portfolio integrity, ensuring that growth is achieved through controlled, methodical, and well-documented underwriting practices.

This is a hands-on, analytical role requiring independent judgment across borrower capability, renovation feasibility, collateral valuation, and market risk dynamics.

Key Responsibilities

Borrower Credit & Experience Analysis

• Lead all borrower pre-approval underwriting with a structured, evidence-based approach.
• Evaluate historical flip projects for:
• Renovation quality and execution consistency
• Timeline adherence and budget discipline
• Pricing strategy alignment with market conditions
• Verify borrower ownership, operational involvement, and decision-making authority.
• Conduct detailed financial reviews including liquidity, creditworthiness, and leverage.
• Produce clear, written risk assessments with defensible conclusions.
• Apply and enforce consistent qualification standards and experience tiers.

Collateral & Rehabilitation Risk Evaluation

• Analyze Scope of Work and budgets for feasibility, completeness, and alignment with ARV assumptions.
• Evaluate structural complexity, including:
• Foundation work, additions, layout modifications
• Mechanical systems, environmental considerations, permitting risks
• Assess alignment between borrower capability and project difficulty.
• Critically review appraisals, assumptions, and comparable sales data.
• Evaluate neighborhood-level risk including liquidity, absorption rates, and market stability.
• Approve loans within delegated authority using consistent underwriting frameworks.
• Identify, document, and escalate exceptions with supporting rationale.

Exposure Management & Risk Controls

• Monitor borrower-level exposure, concentration risk, and project stacking.
• Apply structured limits tied to borrower performance and capacity.
• Evaluate borrowers at scaling stages before approving additional exposure.
• Enforce liquidity-to-exposure alignment standards.
• Recommend restrictions or reductions in approvals based on deteriorating risk indicators.

DSCR Loan Oversight & Compliance

• Ensure complete, accurate, and compliant loan files aligned with investor guidelines.
• Validate documentation integrity, reserve calculations, and eligibility criteria.
• Maintain strict adherence to sellability and repurchase risk standards.
• Identify inconsistencies and proactively resolve file deficiencies.

Portfolio Risk Management & Reporting

• Participate in and progressively lead monthly portfolio risk reviews.
• Monitor loan performance using structured grading systems (1–5 scale).
• Maintain and manage a watchlist of underperforming or elevated-risk assets.
• Track borrower concentration and systemic risk trends.
• Deliver clear, data-driven quarterly risk reports to executive leadership.

This role is ideal for individuals who:

• Are highly detail-oriented, methodical, and analytical
• Prefer structured environments, defined processes, and clear standards
• Make decisions based on data, evidence, and logic, not emotion
• Are risk-aware and naturally cautious, prioritizing accuracy over speed
• Thrive in independent roles requiring deep focus and technical expertise
• Communicate in a clear, precise, and factual manner
• Are comfortable challenging assumptions and declining marginal opportunities

Qualifications

Required

• 5–10 years of experience in:
• Private lending
• Real estate investing
• Construction or renovation lending
• Or similar risk-focused real estate environments
• Strong understanding of:
• Residential renovation processes and risks
• Collateral valuation and underwriting fundamentals
• Demonstrated ability to analyze complex scenarios and produce written risk assessments
• High level of independent judgment and decision-making discipline
• Strong organizational and documentation skills