Credit Analyst

Garden City South , United States
full-time

AI overview

This hands-on role involves underwriting residential bridge and construction loans and improving credit processes while collaborating directly with leadership.

SimpleCITI Companies, Hiring for Commercial Credit Analyst

Overview:
SimpleCITI Companies is a vertically integrated real estate and specialty finance platform built to execute across the full investment lifecycle. Our operating companies specialize in real estate acquisitions, capital markets, brokerage, property management, development, and specialty lending. With expertise in industrial, commercial, mixed-use, and residential real estate, SimpleCITI operates at the intersection of capital deployment, operational execution, and long-term value creation.

Our real estate verticals include:

  • SimpleCITI (Private Equity Real Estate)
  • SimpleADVISORY (Investment Advisory)
  • SimpleMANAGE (Property Management)
  • SimpleBRICKS (Development)
  • SimpleBROKER (Brokerage & Leasing)

Job Description:


We are hiring a sharp, execution-focused Credit Analyst to underwrite residential bridge and construction loans. You’ll work directly with leadership on real deals — fast-paced, high accountability, no bureaucracy.

This is a hands-on role for someone who can analyze deals, make decisions, and move capital with confidence.

Underwriting & Credit Analysis

  • Underwrite bridge, rehab, rental, and ground-up residential deals
  • Analyze borrowers, markets, budgets, and exit strategies
  • Build financial models and deal memos
  • Evaluate LTV, LTC, ARV, DSCR, and collateral strength

Due Diligence & Structuring

  • Review appraisals, title, insurance, and third-party reports
  • Recommend loan terms within defined risk parameters
  • Help structure covenants and construction draw schedules

Closings & Execution

  • Drive deals from term sheet to funding
  • Coordinate with borrowers, legal, and title partners
  • Maintain clean, accurate loan files and documentation

Platform Build

  • Help refine underwriting standards and workflows
  • Improve credit processes and reporting infrastructure

Requirements

  • 2–6 years in private lending, real estate credit, or fix-and-flip underwriting
  • Strong Excel and financial modeling skills
  • Deep knowledge of LTV, LTC, ARV, DSCR, and credit fundamentals
  • Experience reviewing borrower financials and deal docs
  • Experience with LendingPad or similar LOS/LMS
  • Exposure to Northeast markets (NY/NJ/CT/PA)
  • MLO or real estate license
  • Clear communicator with strong judgment and ownership mindset

SimpleCiti Holdings is a dynamic and innovative holding company dedicated to revolutionizing the real estate industry. Based on the principle of simplicity and efficiency, SimpleCiti embodies the vision of creating streamlined and effective solutions across various sectors within the real estate domain. Our mission is to make complex processes simple and accessible, driving value and growth through our diverse portfolio of businesses.Our Brands: SimpleSPACES: Specializing in multi tenant industrial properties, SimpleSPACES offers flexible leasing solutions for industrial warehouses, ensuring tenants have adaptable and efficient spaces for their operations. SimpleBricks: Focused on development, SimpleBricks is committed to creating high-quality, sustainable real estate projects. Our team leverages innovative construction techniques to deliver exceptional properties that meet the evolving needs of our clients. SimpleAdvisory: As an SEC Registered Investment Advisor (RIA), SimpleAdvisory provides expert financial guidance and personalized investment strategies. We help our clients navigate the complexities of real estate investments with confidence and clarity. SimpleEquity: A private equity firm with a keen focus on equity investments, SimpleEquity partners with investors to identify and capitalize on lucrative opportunities in the real estate market. Our strategic approach ensures robust returns and long-term growth. SimpleMANAGE: This division manages our extensive portfolio of properties with a focus on efficiency, tenant satisfaction, and operational excellence. We provide comprehensive property management services that optimize asset performance and enhance tenant experiences. Our Vision:SimpleCiti Holdings strives to be a leader in the real estate industry by embracing simplicity, innovation, and excellence. We aim to create a seamless and enriching experience for our clients, tenants, and partners, fostering growth and success through our integrated approach.Our Values: Simplicity: We believe in making complex processes simple and straightforward. Innovation: We embrace cutting-edge technologies and innovative solutions to stay ahead in the market. Excellence: We are committed to delivering the highest standards of quality and service in everything we do. Integrity: We conduct our business with honesty, transparency, and a strong sense of ethics. Collaboration: We value teamwork and partnership, working together to achieve shared goals. At SimpleCiti Holdings, we are redefining the real estate landscape, one simple solution at a time.

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