Commercial Real Estate Credit Analyst

Internal Job Title: Commercial Real Estate Credit Analyst
Type of Employment: Full Time
Desired No. of Hours per Week: 40
Work Hours: 8 AM to 5 PM PST

About the Client

Our client is a private lending firm based in Carlsbad, CA, specializing in fast and flexible financing solutions for real-estate developers and entrepreneurs across the western United States. They take pride in cutting through red tape and structuring deals that traditional banks can't, thanks to their agility and deep expertise in commercial and construction lending. This is a chance to join a dynamic team that helps bring real projects to life and drives lasting impact in the industry.
Who You Are

We are seeking a Real Estate Credit Analyst to prescreen and prequalify commercial real estate loan opportunities prior to formal underwriting. This role requires the ability to analyze commercial assets, sponsorship strength, deal structure, and construction or renovation budgets. This is not a residential or consumer mortgage role.

The analyst will help determine whether a transaction fits Enact Partners' lending criteria before it advances to senior review.
What You'll Do

• Prescreen inbound commercial real estate loan requests for fit with Enact Partners' credit profile
• Analyze commercial property types including multifamily, industrial, office, retail, mixed use, and select special use assets
• Evaluate requested loan amounts relative to estimated value and loan to value
• Review borrower and sponsor experience specific to commercial real estate ownership and development
• Analyze proposed business purpose use of funds
• Review construction and renovation budgets at a high level for completeness and reasonableness
• Identify material risks related to asset type, market, sponsorship, leverage, or execution
• Evaluate exit strategies such as refinance, sale, or stabilization
• Clearly distinguish between commercial underwriting considerations and residential mortgage concepts
• Prepare concise internal deal summaries and recommendations for senior team review

What We're Looking For

• Demonstrated understanding of commercial real estate underwriting principles
• Experience analyzing income producing real estate assets
• Working knowledge of loan to value, debt yield, collateral risk, and sponsorship analysis
• General understanding of construction, renovation, or value add budgets
• Ability to assess commercial deal structure and risk, not consumer credit metrics
• Strong analytical judgment and attention to detail
• Clear written communication skills

What We Offer:

• Work From Home: Fully remote setup with local support
• Generous Paid Time Off: Start with 18 paid leaves annually
• U.S. Holiday Observance: Enjoy U.S. holidays off
• Professional Environment: Join a supportive, growth-oriented global team

Hiring Process:

• Initial screening call with Flexscale: A brief conversation to walk through your background, experience, and role alignment.
• Panel interview with the client: Meet key stakeholders to discuss your experience, skills, and how you approach the role.
• Skills assessment: A short assessment to evaluate relevant skills and problem-solving abilities.
• Final panel interview with the client: A deeper conversation focused on long-term fit, expectations, and next steps.