Associate

About the Role

The Loan Management team is a business unit within the Global Banking and Markets division, supporting the Mortgage Loan Trading desk and Global Banking and Markets’ Real Estate Finance Group. The team specializes in whole loan acquisition, sales, securitizations, and financing. The team has expertise across mortgages, consumer loans, real estate, and warehouse financing. This role will involve underwriting, managing, and overseeing commercial real estate loans.

Key Responsibilities

• Work collaboratively to achieve department and firm objectives.
• Develop and maintain market relationships with vendors and industry participants.
• Support and participate in structuring and execution of financing solutions for external clients.
• Assist in loan level financings, appraisal review, and other activities requiring feedback from debt originations or real estate finance groups.
• Keep Senior Management informed about potential decisions’ impact on assets and asset performance.

Underwriting

• Analyze and present opportunities and risks inherent in specific sectors and markets.
• Perform valuation analyses and due diligence.
• Track and forecast operating cash flows from real estate assets using market data, property-specific operating norms, actual performance data, and firm standards to evaluate, pursue, and close debt investment opportunities.
• Coordinate internal and external resources to analyze investment opportunities.

Asset Management

• Oversee and/or directly manage a diverse portfolio of commercial real estate loans.
• Interact with property managers, third-party vendors, borrowers, and law firms.
• Utilize ARGUS and Excel cash flow modeling/forecasting, in conjunction with market sale and rent comps, to determine real estate values across various property types: multifamily, hospitality, retail, industrial, office, self-storage, senior living.
• Monitor business plan performance and make tactical and strategic recommendations.

Analysis & Reporting

• Prepare and present transaction memos summarizing due diligence and credit analysis for internal approvals.
• Prepare and present quarterly business plan updates, market updates, and factors affecting collateral value and stabilization timeline to Senior Management and internal clients.
• Prepare and update monthly reporting packages for management and clients.

Requirements & Tech Stack

• Minimum 1-3 years of experience in originating/underwriting CRE loans and/or managing performing/distressed assets.
• Experience valuing multiple commercial real estate product types.
• Proficiency in Excel, PowerPoint, and Word.
• Strong academic background.
• Experience in ARGUS and Excel cash flow modeling/forecasting.

Qualifications

• Excellent quantitative, verbal, and written communication skills.
• Self-motivated, ability to work both autonomously and in a team setting.
• Solid analytical/logical mindset and attention to detail.
• Strong sense of accountability and dedication to continuous improvement.
• Ability to work under pressure and meet deadlines ensuring high-quality output.