Commercial Credit Analyst

Simple

CITI Companies, Hiring for Residential Credit Analyst Overview

Simple

CITI 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, Simple

CITI operates at the intersection of capital deployment, operational execution, and long-term value creation.

Our real estate verticals include:

• Simple EQUITIES (Private Equity Real Estate)
• Simple ADVISORY (Investment Advisory)
• Simple MANAGE (Property Management)
• Simple BRICKS (Development)
• Simple
  
  REALTY ADVISORS (Brokerage & Leasing)

Simple

CREDIT 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 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.

• 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 LTAIV, LTC, LTARV, and other key metrics
• Draft concise investment memoranda for internal and capital partner review

• Order and review appraisals, title reports, insurance, contractor profiles, and other third-party reports
• Recommend loan terms and structures aligned with Simple
  
  CREDIT’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

• 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

• 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

• 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 Lending Pad, Liquid Logics, or other LOS/LMS systems
• Bonus: Familiarity with NY/NJ/CT/PA markets or licensure as MLO or real estate agent