Credit Analyst

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role: The Credit Analyst is responsible for underwriting and analyzing credit risk for commercial borrowers, with a primary focus on multifamily real estate. This role supports new loan originations and portfolio management by spreading financial statements, building cash flow models, preparing credit memoranda, and collaborating closely with relationship managers, portfolio managers, and clients. The analyst will also underwrite non–real estate credit products, including lines of credit, business term loans, and SBA loans. What You'll Do: Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties Spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements Build and maintain financial models, cash flow analyses, and debt service coverage calculations Prepare clear, well-supported credit memoranda and internal reports for loan committees Assist with underwriting and analysis of commercial lines of credit, business term loans, and SBA loan requests Conduct global cash flow analysis for complex borrowing relationships Work closely with relationship managers, portfolio managers, and customers to obtain required documentation and clarify financial information Support ongoing portfolio monitoring, including annual reviews, covenant tracking, and risk rating updates Ensure compliance with bank credit policy, regulatory requirements, and SBA underwriting standards Utilize loan operating systems and data tools to manage credit files and reporting efficiently What You'll Need: Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or a related field Minimum of 5 years of commercial credit analysis or underwriting experience, preferably within a bank or financial institution Strong experience underwriting commercial real estate loans, particularly multifamily Working knowledge of commercial lending products, including lines of credit and business term loans Familiarity with SBA loan underwriting and documentation requirements Advanced proficiency in Microsoft Excel, including financial modeling and cash flow analysis Experience with nCino or similar advanced loan operating systems Working knowledge of Airtable or comparable data management tools Strong analytical, organizational, and written communication skills Preferred Qualifications: Experience supporting relationship managers in a commercial banking environment Familiarity with portfolio management and ongoing credit monitoring Ability to manage multiple priorities in a deadline-driven environment Strong customer-facing communication skills and collaborative mindset What We Offer: Competitive salary and benefits package Opportunity to work with a growing commercial real estate portfolio Collaborative team environment with exposure to complex credit structures Professional development and advancement opportunities Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.