SoFi · 6 hours ago
Credit Analyst
Sacramento, CA
Full-time
Onsite
Senior Level
5+ years expSoFi is a next-generation financial services company and national bank focused on changing personal finance interactions. The Credit Analyst is responsible for underwriting and analyzing credit risk for commercial borrowers, particularly in multifamily real estate, while collaborating with various stakeholders to support loan originations and portfolio management.
CreditCredit CardsFinancial ServicesFinTechLendingWealth Management
Responsibilities
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
Qualification
Required
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
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
Benefits
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
Company
SoFi
SoFi is a finance company that offers a range of lending and wealth management services.
1001-5000 employees
H1B Sponsorship
SoFi has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (213)
2024 (117)
2023 (131)
2022 (118)
2021 (81)
2020 (42)
Funding
Current Stage
Public CompanyTotal Funding
$12.25BKey Investors
Fortress Investment GroupPGIMQatar Investment Authority
2025-12-04Post Ipo Equity· $1.5B
2025-07-29Post Ipo Equity· $1.5B
2025-04-17Post Ipo Debt· $3.2B
Leadership Team
Anthony Noto
CEO
Jeremy Rishel
Chief Technology Officer
Recent News
2026-01-22
2026-01-20
The Motley Fool
2026-01-17
Company data provided by crunchbase