DLP Capital · 8 hours ago
Senior Credit Associate
St. Augustine, FL
Full-time
Onsite
Senior Level
5+ years expDLP Capital is a private lender focused on funding the building of Thriving Communities. The Senior Credit Associate will act as a key credit structuring resource, collaborating with the Relationship Managers to analyze new transactions and ensure adherence to firm credit underwriting policies.
Financial ServicesLendingReal Estate Investment
Responsibilities
Responsible for the initial sizing of deal & borrower for term sheet, modifications, and take out financing
Exhibiting a deep understanding of firm's loan underwriting guidelines, pricing grids and leverage partners credit boxes to identify loans that are ineligible
Consistently providing quick, yet accurate, responses to all inquiries about assigned credit files, and maintaining dialogue with lending staff to determine the viability of new loans or strategies related to the renewal of existing loans as it relates to terms and structure
Contributing feedback and participating in Credit Committee meetings and decisioning
Make decisions that will positively impact the company & its ability to achieve its goals
Partner with Relationship Managers and Directors to screen and underwrite new lending opportunities, providing indicative terms based on preliminary deal data. Analyze sponsor pro formas, budgets, borrower financials, and market data to assess feasibility and determine appropriate loan sizing. Leverage insights from multiple platforms to support the 'Pro Deal Mentality' and ensure alignment with the firm’s Risk Appetite
Work with Relationship Managers and Directors to complete New Business Submissions for presentation to the Credit Committee, and prepare any necessary change memos following initial Committee approval. Support RMs throughout the deal process by serving as a key point of contact for brokers and sponsors - gathering information, addressing questions, and keeping deals moving forward efficiently
Structuring loans based on deal-level risks and mitigants
Evaluating borrower experience and history of execution
Evaluating real estate investment deal strategies, and the underlying assets as-is and after-repair values
Underwriting properties and borrower financials with a focus on a pro deal mentality while creating approval memos, making good credit decisions and recommendations, and identifying and mitigating risks
Gaining a deep understanding of: built to rent, lot development & multi-family construction real estate deals or DSCR loans
Qualification
Required
5+ years experience in underwriting, credit analysis, and/or commercial lending
Bachelor's degree in Finance, Accounting, Business, or Economics
Financial Acumen: Expertise in reading financial statements, market reporting data, building financial models, and assessing creditworthiness
Risk Management: Proven ability to analyze complex data, identify risks, and make sound, objective credit decisions
Communication: Clearly explaining decisions to clients, brokers, and internal teams
Attention to Detail: Ensuring accuracy in reviewing applications and policies
Analytical & Critical Thinking: Interpreting data, questioning assumptions, and making logical decisions
Benefits
Unlimited PTO
Health/dental/vision/life insurance
401(k) matching
Parental leave
Adoption services reimbursement/learning/educational incentives
Volunteer Time Off
Well-being programs
Company events
Self improvement/productivity tools
The incredible feeling of making a difference
Company
DLP Capital
DLP Capital is a private, diversified real estate investment firm.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Don Wenner
Founder & CEO
Nick Stonestreet
President Financial Services
Recent News
2026-01-22
The Morning Call
2025-11-29
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