Financial Analyst • Mid-Level

Who you are

You have a strong background in financial analysis, particularly in underwriting and analyzing credit risk for commercial borrowers. Your experience includes working with multifamily real estate and understanding the nuances of financial statements and cash flow models. You are detail-oriented and capable of preparing clear, well-supported credit memoranda and internal reports. You thrive in collaborative environments, working closely with relationship managers and portfolio managers to support loan originations and portfolio management.

You possess excellent analytical skills, enabling you to spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements. Your ability to build and maintain financial models and perform debt service coverage calculations is essential for success in this role. You are committed to shaping a brighter financial future and are eager to contribute to a next-generation financial services company.

What you'll do

As a Credit Analyst at SoFi, you will be responsible for underwriting and analyzing commercial real estate loans, with a primary focus on multifamily properties. You will spread and analyze financial statements and tax returns, ensuring that all relevant data is considered in your assessments. Building and maintaining financial models will be a key part of your role, as you will need to perform cash flow analyses and debt service coverage calculations to support your recommendations.

You will prepare clear and well-supported credit memoranda and internal reports, collaborating closely with relationship managers and portfolio managers throughout the process. Your insights will help guide the decision-making process for new loan originations and portfolio management. Additionally, you will underwrite non-real estate credit products, including lines of credit, business term loans, and SBA loans, broadening your expertise in various credit products.

What we offer

At SoFi, we are committed to investing in our employees and fostering a culture of growth and development. You will have the opportunity to work in a dynamic environment where your contributions directly impact people's lives. We encourage you to apply even if your experience doesn't match every requirement, as we value diverse perspectives and backgrounds. Join us in shaping the future of personal finance and making a difference in the lives of our members.