LendingOne · 15 hours ago
Junior Credit Analyst/Underwriter
Boca Raton, FL
Full-time
Hybrid
Entry Level
1+ years expLendingOne is a direct private lender specializing in business-purpose mortgage loans for real estate investors. They are seeking a Junior Credit Analyst/Underwriter to join their Operations team, focusing on underwriting investment properties and analyzing creditworthiness.
Financial ServicesFinTechReal Estate
Responsibilities
Perform comprehensive credit analysis and underwriting on all business purpose loans, including the full assessment of borrowers and properties. This includes evaluating acquisition costs, renovation plans, rental income, market conditions, and loan terms
Assess applicant financials, analyze creditworthiness, and determine financing qualifications. Investigate variances on financial statements and verify market comparables for rental and property values
Identify potential risks associated with both the borrower and property. Recommend alternative financing terms when necessary, considering specific loan conditions and potential risks
Create concise summary reports that include both quantitative and qualitative evaluations of the loan application, property, and borrower. Clearly communicate underwriting decisions and rationale with internal teams, particularly the Sales team
Issue final underwriting approval with detailed terms once requirements are met. Ensure all necessary communications and documentation are completed in a timely manner
Review appraisal analysis to determine that acceptable standards are met
Maintain productivity level and turn times as established by management. Prioritizes the underwriting caseload to meet various deadlines
Business relationship management skills and the ability to understand and anticipate the needs of respective business stakeholders
Qualification
Required
1 year in underwriting, with experience working in a team & matrix environment
High attention to detail and proficiency when reviewing and analyzing financial documents, creditworthiness, and borrower qualifications for financing
Strong critical thinking skills with a natural inclination to question inconsistencies & propose alternative approaches, enabling effective risk assessment and issue identification
Excellent verbal and written communication skills, with comfort and professionalism in communicating over the phone with necessary team members of various departments
Organizational abilities to manage multiple projects and meet deadlines with timely follow up
Positive attitude with the ability to thrive in a fast-paced environment
Ability to self-manage workflow effectively while meeting productivity and turnaround time expectations aligned with organizational & departmental goals
Preferred
Experience underwriting DSCR, Fix & Flip, and New Construction loans
Bachelor's and/or Associate's Degree in Finance, Business, Economics, or a related field
Tech savvy, innovative with strong computer skills
Benefits
Full medical, dental, and vision benefits
Company-matching 401(k) plan
Paid time off and 10 company-paid holidays
Work-from-home Fridays
Career development, training, and internal promotion opportunities
Team-building events, company lunches, and swag
Collaborative, inclusive, and fun workplace culture
Company
LendingOne
LendingOne is one of the nation’s leading direct lenders for real estate investors—from individual operators to institutional firms.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Matthew Neisser
CEO / Co-Founder
Recent News
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