Credit Analyst/Underwriter - Institutional Group

LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2025 - for the fourth consecutive year - by Sun Sentinel!

We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $6 Billion in real estate capital.

Position Overview:

The Credit Analyst/Underwriter is a key member of the Institutional Group team , responsible for evaluating and underwriting customized real estate portfolio loans ranging from $3 million to over $100 million. This individual will assess credit risk, borrower strength, and property performance while ensuring adherence to internal credit standards and loan structuring practices. The role requires exceptional analytical ability, attention to detail, and the capability to operate efficiently in a fast-paced, high-volume lending environment.

This is a full-time opportunity working in our Headquarters office in Boca Raton, FL.

Requirements

Qualifications:

The following qualifications and responsibilities serve as a position overview and are not exhaustive. Employees are expected to be team players and may take on additional tasks as needed.

• Bachelor’s degree required; preferred concentration in Finance, Real Estate, or Economics.
• Minimum 3 years of experience in commercial real estate underwriting or credit analysis.
• Demonstrated success in evaluating complex, multi-property loan scenarios.
• Exceptional organizational skills and ability to manage multiple active transactions simultaneously.
• Advanced proficiency in Microsoft Excel and Word; familiarity with financial modeling and data analysis tools.
• High level of accuracy, attention to detail, and independent critical thinking.
• Strong communication and interpersonal skills; ability to collaborate with stakeholders across departments.
• A proactive, solutions-oriented mindset with natural curiosity and a high level of accountability.

Responsibilities:

• Perform full-scope underwriting on portfolio loans, including both borrower creditworthiness and property-level risk.
• Conduct detailed credit analysis by reviewing borrower financials, evaluating liquidity and net worth, and assessing overall credit strength.
• Analyze real estate assets in the borrower’s portfolio to understand performance, investment strategy, and experience.
• Evaluate property-level financials such as acquisition cost, renovation plans, rent rolls, and operating statements to determine loan feasibility.
• Identify and assess potential risks and recommend alternative terms or deal structures when appropriate.
• Create clear, concise credit memos that summarize key deal terms, borrower profile, collateral characteristics, strengths, and mitigated risks.
• Investigate and resolve inconsistencies in borrower documentation or financial reporting.
• Verify rental and sale comparables and assess market data to ensure valuations are appropriate.
• Review appraisal reports to confirm compliance with internal guidelines and market expectations.
• Issue final underwriting approvals and ensure internal teams are aligned on next steps and closing conditions.
• Meet established service level agreements (SLAs) for underwriting turn times and maintain a consistent volume of production.
• Collaborate cross-functionally with sales, transaction managers, closing, and legal to facilitate successful loan execution.
• Demonstrate strong business judgment and proactive problem-solving skills.

Benefits

Why LendingOne:

• Diverse and inclusive workplace, with a supportive and friendly team
• Company awards, recognitions, and community involvement opportunities
• Comprehensive benefits package: medical, dental, vision, short and long-term disability, flexible spending accounts, generous 401(k) match, and more!
• 10 Company-paid holidays, and Paid-time Off
• Work-From-Home Fridays!
• Regular company-sponsored lunches, team-building and social events, and company swag to promote engagement and connection
• We believe in promoting from within
• Dedicated Learning & Development Team: comprehensive technical training, career paths, and education reimbursement opportunities!

LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.