Credit Analyst

About the Role

Avila Real Estate Capital is a growing real estate credit firm focused on homebuilder finance and residential real estate. We are looking for a Credit Analyst eager to build a career in this space and learn how credit decisions are made. The ideal candidate enjoys working with numbers, digging into details, asking questions, and transforming financial information into insights. This is a fast-paced environment where initiative and accountability are valued.

Key Responsibilities

• Support underwriting of new loan opportunities and ongoing monitoring of existing loan portfolio.
• Build and maintain financial models for prospective loans, including cash flow projections, collateral valuation, and sensitivity analysis.
• Review and verify borrower financial statements, rent rolls, budgets, and third-party reports.
• Prepare loan summaries and supporting exhibits for investment committee review.
• Research market data, comparable sales, and local development conditions to support deal sizing.
• Track covenant compliance and financial reporting deadlines for the existing loan portfolio.
• Update asset management models as loans draw down, amortize, or change status.
• Identify budget overruns, schedule delays, or other conditions affecting loan performance.
• Maintain accurate loan files and information within Avila’s loan servicing and reporting systems.
• Prepare recurring internal reports on portfolio performance and pipeline activity.
• Support investor relations with data and materials.
• Coordinate with originations, servicing, legal, and other team members on document requests and closing conditions.

Requirements & Tech Stack

• Strong Excel skills and comfort building and working with financial models.
• Working knowledge of real estate finance concepts, including loan structures, collateral, and basic construction or development budgets.
• Strong attention to detail and ability to manage multiple loan files and priorities while maintaining accuracy.
• Clear written and verbal communication skills, including the ability to summarize financial findings.
• Self-starter mindset, comfortable working independently, taking initiative, and staying organized in a fast-paced environment.

Qualifications

• Bachelor’s degree in finance, real estate, economics, or a related field.
• 0 to 2 years of experience in credit analysis, commercial real estate, lending, or a related area of finance. Relevant internship experience is a plus.

Compensation and Benefits

• Salary: $55,000 - $75,000
• Health coverage
• 401(k) plan
• Paid time off

This is a full-time, remote position with regular availability expected during standard business hours. Some flexibility may be needed during closing periods or reporting deadlines.