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The Role:
The Credit Analyst is responsible for underwriting and analyzing credit risk for commercial borrowers, with a primary focus on multifamily real estate. This role supports new loan originations and portfolio management by spreading financial statements, building cash flow models, preparing credit memoranda, and collaborating closely with relationship managers, portfolio managers, and clients. The analyst will also underwrite non–real estate credit products, including lines of credit, business term loans, and SBA loans**.**
What You'll Do:
Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties
Spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements
Build and maintain financial models, cash flow analyses, and debt service coverage calculations
Prepare clear, well-supported credit memoranda and internal reports for loan committees
Assist with underwriting and analysis of commercial lines of credit, business term loans, and SBA loan requests
Conduct global cash flow analysis for complex borrowing relationships
Work closely with relationship managers, portfolio managers, and customers to obtain required documentation and clarify financial information
Support ongoing portfolio monitoring, including annual reviews, covenant tracking, and risk rating updates
Ensure compliance with bank credit policy, regulatory requirements, and SBA underwriting standards
Utilize loan operating systems and data tools to manage credit files and reporting efficiently
What You'll Need:
Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or a related field
Minimum of 5 years of commercial credit analysis or underwriting experience, preferably within a bank or financial institution
Strong experience underwriting commercial real estate loans, particularly multifamily
Working knowledge of commercial lending products, including lines of credit and business term loans
Familiarity with SBA loan underwriting and documentation requirements
Advanced proficiency in Microsoft Excel, including financial modeling and cash flow analysis
Experience with nCino or similar advanced loan operating systems
Working knowledge of Airtable or comparable data management tools
Strong analytical, organizational, and written communication skills
Preferred Qualifications:
Experience supporting relationship managers in a commercial banking environment
Familiarity with portfolio management and ongoing credit monitoring
Ability to manage multiple priorities in a deadline-driven environment
Strong customer-facing communication skills and collaborative mindset
What We Offer:
Competitive salary and benefits package
Opportunity to work with a growing commercial real estate portfolio
Collaborative team environment with exposure to complex credit structures
Professional development and advancement opportunities
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our **Benefits at SoFi **page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.