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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The Role:
The Credit Analyst is responsible for underwriting and analyzing credit risk for commercial borrowers, with a primary focus on multifamily real estate. This role supports new loan originations and portfolio management by spreading financial statements, building cash flow models, preparing credit memoranda, and collaborating closely with relationship managers, portfolio managers, and clients. The analyst will also underwrite non–real estate credit products, including lines of credit, business term loans, and SBA loans.
What You'll Do:
Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties
Spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements
Build and maintain financial models, cash flow analyses, and debt service coverage calculations
Prepare clear, well-supported credit memoranda and internal reports for loan committees
Assist with underwriting and analysis of commercial lines of credit, business term loans, and SBA loan requests
Conduct global cash flow analysis for complex borrowing relationships
Work closely with relationship managers, portfolio managers, and customers to obtain required documentation and clarify financial information
Support ongoing portfolio monitoring, including annual reviews, covenant tracking, and risk rating updates
Ensure compliance with bank credit policy, regulatory requirements, and SBA underwriting standards
Utilize loan operating systems and data tools to manage credit files and reporting efficiently
What You'll Need:
Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or a related field
Minimum of 5 years of commercial credit analysis or underwriting experience, preferably within a bank or financial institution
Strong experience underwriting commercial real estate loans, particularly multifamily
Working knowledge of commercial lending products, including lines of credit and business term loans
Familiarity with SBA loan underwriting and documentation requirements
Advanced proficiency in Microsoft Excel, including financial modeling and cash flow analysis
Experience with nCino or similar advanced loan operating systems
Working knowledge of Airtable or comparable data management tools
Strong analytical, organizational, and written communication skills
Preferred Qualifications:
Experience supporting relationship managers in a commercial banking environment
Familiarity with portfolio management and ongoing credit monitoring
Ability to manage multiple priorities in a deadline-driven environment
Strong customer-facing communication skills and collaborative mindset
What We Offer:
Competitive salary and benefits package
Opportunity to work with a growing commercial real estate portfolio
Collaborative team environment with exposure to complex credit structures
Professional development and advancement opportunities
Top Skills
What the Team is Saying
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions.
Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world.
For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way.
At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Hybrid Workspace
Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
