Real Estate Debt Portfolio Associate

Job Description

Providing for loved ones, planning rewarding retirements, saving enough for whatever lies ahead – our policyholders count on us to be there when it matters most. It’s a big ask, but it’s one that we have the power to deliver when we work together. We collaborate and innovate – pushing one another to transform not just Pacific Life, but the entire industry for the better.

Why? Because it’s the right thing to do. Pacific Life is more than a job, it’s a career with purpose. It’s a career where you have the support, balance, and resources to make a positive impact on the future – including your own.

We’re actively seeking a talented Real Estate Debt Portfolio Associate to join our Real Estate Debt Portfolio team in Newport Beach, CA. As a Real Estate Debt Portfolio Associate, you’ll move Pacific Life, and your career, forward by performing the following key duties including financial model creation and maintenance, monitoring regulatory changes, and developing performance metrics to guide strategic decision‑making. You will fill a new role that sits on a team of 3 people in the Pacific Life Investment division.

Individuals in this role demonstrate strong analytical skills, a deep understanding of commercial and residential real estate markets, and familiarity with regulatory frameworks and policies.

• Build and manage financial models to support underwriting, portfolio analysis, and investment performance tracking.
• Maintain loan negotiation guidelines and ensure alignment with company standards and market conditions.
• Monitor and interpret regulatory developments impacting commercial and residential real estate debt portfolios.
• Help manage KRIs and KPIs across portfolio, lending, servicing, and asset management functions.
• Conduct research and data analysis for commercial and residential real estate, leveraging access tools to inform investment strategy.
• Support onboarding and integration of new third‑party programs, ensuring operational readiness and data integrity.
• Contribute to ad‑hoc projects that enhance process efficiency and strategic insight.

• Bachelor’s degree in Business, Finance, Economics, Real Estate, or a related field.
• 2–5 years related experience and/or training; or equivalent combination of education and experience.
• Strong proficiency in financial modeling; experience with ARGUS and data visualization tools preferred.
• Knowledge of commercial mortgage and residential mortgage nomenclature and a fundamental understanding of the variables that drive a commercial mortgage loan.
• Strong in software applications Microsoft Word, Excel and PowerPoint with ability to quickly learn new program applications.
• Excellent analytical, research, critical thinking and creative problem‑solving abilities.
• Strong written and verbal communication skills.
• Excellent organizational and time‑management skills with the ability to multi‑task while prioritizing workflow and deadlines.
• Experience with or exposure to AI‑powered analytics, modeling, or automation tools (such as machine learning platforms, predictive analytics, or generative AI) is strongly preferred.
• Desire to take initiative and be a team player.

• Master’s Degree in Real Estate or MBA with a real estate concentration – strongly preferred.
• Familiarity with regulatory frameworks and risk management practices in real estate lending.

People come first here. We’re committed to an inclusive workforce. Learn more about how we create a welcoming work environment at  What’s life like at Pacific Life? Visit

The base pay range noted represents the company’s good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications and geographic location. Also, most employees are eligible for additional incentive pay.

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• Prioritization of your health and well‑being including Medical, Dental, Vision, and Well‑Being Reimbursement Account that can be…