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Location:
New York
Category:
Credit

Workable
Residential Credit Analyst
SimpleCITI Companies, Hiring for Residential Credit Analyst
Overview:
SimpleCITI Companies is a vertically integrated real estate and specialty finance platform built to execute across the full investment lifecycle. Our operating companies specialize in real estate acquisitions, capital markets, brokerage, property management, development, and specialty lending. With expertise in industrial, commercial, mixed-use, and residential real estate, SimpleCITI operates at the intersection of capital deployment, operational execution, and long-term value creation.
Our real estate verticals include:
SimpleEQUITIES (Private Equity Real Estate)
SimpleADVISORY (Investment Advisory)
SimpleMANAGE (Property Management)
SimpleBRICKS (Development)
SimpleREALTY ADVISORS (Brokerage & Leasing)
Job Description:
SimpleCREDIT is seeking a detail-oriented and execution-driven Residential Credit Analyst to join our growing credit team. In this high-impact role, you will evaluate, structure, and manage short-term bridge and construction loans across residential transitional assets including ground-up development, rehab, and small multifamily projects.
You’ll work directly with the founder and capital partners, applying institutional-level discipline to credit analysis while operating with the speed and flexibility of a boutique lender. This is an opportunity to shape the credit infrastructure of a next-generation private lending platform.
Loan Evaluation & Underwriting
Analyze borrower profiles, market conditions, project budgets, and exit strategies
Underwrite loans for rehab, rental, and ground-up residential projects
Conduct detailed financial modeling, including pro formas, comp analysis, and budget reviews
Evaluate creditworthiness and collateral strength using LTV, LTC, ARV, and other key metrics
Draft concise investment memoranda for internal and capital partner review
Due Diligence & Structuring
Order and review appraisals, title reports, insurance, contractor profiles, and other third-party reports
Recommend loan terms and structures aligned with SimpleCREDIT’s risk parameters and credit box
Collaborate with legal counsel to ensure compliance with underwriting standards and documentation
Assist in setting covenants and draw schedules for construction and rehab loans
Closing & Process Execution
Coordinate closing activities with borrowers, legal teams, title companies, and internal stakeholders
Ensure timely, accurate documentation and information flow from term sheet to funding
Maintain loan files, data integrity, and communication logs throughout the loan lifecycle
Platform Development & Internal Ops
Help build and refine underwriting SOPs, loan grading systems, and credit workflows
Identify operational inefficiencies and suggest process improvements
Contribute to the development of reporting templates and risk management tools
Requirements
2–6 years of experience in private lending, real estate credit, or fix-and-flip underwriting
Proficient in Excel with ability to build models from scratch
Deep understanding of credit metrics: LTV, LTC, ARV, DSCR, etc.
Experience reviewing appraisals, title reports, scopes of work, and borrower financials
Strong written communication skills and ability to clearly articulate credit decisions
Highly organized, proactive, and execution-oriented
Bonus: Experience with LendingPad, Liquid Logics, or other LOS/LMS systems
Bonus: Familiarity with NY/NJ/CT/PA markets or licensure as MLO or real estate agent

Garden City South, NY, USA
Negotiable Salary

Workable
Sr. Credit Analyst - To 85K - East Brunswick, NJ - Job # 2725T
The Position
Our bank client is seeking to fill a Sr. Credit Analyst role in the East Brunswick, NJ market. The successful candidate will be responsible for performing clear and comprehensive credit analysis on commercial real estate loans including but not limited to multi-family, ground-up construction, construction-to-permanent, purchases, for-sale properties, and acquisitions for new and existing customers – based on historical numbers, projections, and Appraisals.
The position includes a generous salary of up to $85K along with an excellent benefits package. (This is not a remote position).
Sr. Credit Analyst responsibilities include:
Assisting in the analysis/underwriting of credits for the commercial lending area, particularly those related to real estate lending of any type: residential developers, shopping centers, apartment complexes, etc.
Spreading and reviewing Business and Personal Tax Return/Financial Statements in the Financial Spreading Program.
Preparing Risk Rating forms in conjunction with the Presentations/Annual Reviews.
Conducting financial analysis such as NOI, Cash flow, Debt Service Coverage, Loan to Values, Liquidity ratios, leverage, profitability, and loan covenants
Formulating/presenting findings, evaluations, credit worthiness, and recommendations to Lenders, Senior Management, and Internal Loan Committees.
Mentoring new hires with the internal processes.
All other reasonable duties as assigned.
Requirements
Who Are You?
You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.
You also bring the following skills and experience:
Bachelor’s degree in accounting, credit, finance, or related field.
Ten or more years of Banking and Financial industry experience specializing in Residential /Commercial Real Estate, Construction Underwriting, Financial Analysis, Management Reporting, and strong communication skills
Ability to perform credit analyst functions including financial statement spreads and writing loan offering summaries.
Good knowledge of commercial real estate and deal structures especially residential development construction.
Ability to understand various business structures and related financial statements and tax returns.
Ability to work effectively with lending officers to appropriately structure deals.
Strong understanding of 3rd party reports such as Commercial / Residential Appraisals (including Absorption Analysis) Environmental Reports and Credit Bureau Reports.
Very good oral and written communication techniques.
Proficient in Microsoft Office Applications (Word, Excel, PowerPoint).
Benefits
The position includes a generous salary of up to $85K along with an excellent benefits package. (This is not a remote position).

East Brunswick, NJ, USA
$85,000/year
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