Analyst – Direct Lending

KEY RESPONSIBILITIES

• Analyze property-level performance through detailed review of operating statements, rent rolls, and lease agreements.
• Evaluate and abstract loan documents to assess structure, covenants, and compliance requirements.
• Communicate effectively with borrowers, legal counsel, property managers, lenders, servicers, and internal stakeholders.
• Negotiate and structure complex real estate and financing transactions.
• Conduct in-depth research on U.S. real estate markets and engage with market participants, including brokers, to gather actionable intelligence.
• Perform comprehensive analysis of loan collateral, including valuation, risk assessment, and resolution alternatives.
• Demonstrate strong organizational skills with the ability to prioritize and manage multiple assignments.
• Prepare valuation models and cash flow analyses for loan resolutions, incorporating Borrower proposals and scenario testing (DCF / IRR / NPV) across multiple strategies.
• Underwrite prospective investment opportunities across CMBS, equity recapitalizations, asset and portfolio acquisitions, and mezzanine/preferred equity positions.
• Prepare recurring reporting packages (weekly, monthly, and quarterly) for executive management and external stakeholders.
• Underwrite performing loan requests—including reserve disbursements, lease approvals, loan extensions, and other borrower actions—ensuring compliance with loan documentation.
• Effectively uses AI to support research, synthesize information, analyze data, develop insights, and streamline workflows. Applies critical judgment to validate AI-generated outputs for accuracy, relevance, and completeness to finalize deliverables. Uses AI responsibly in accordance with company policies, confidentiality requirements, information-security standards, and applicable governance practices. Maintains awareness of evolving AI capabilities and identifies opportunities to appropriately integrate new tools into day-to-day work.

SPECIFICATIONS

• Bachelor's Degree from an accredited university is required preferably specializing in Real Estate, Finance, Accounting, Economics, or related business field.
• 1+ years of relevant experience in commercial real estate, underwriting, loan servicing, or a related field; relevant internship experience will be considered.
• Advanced proficiency in Microsoft Office Suite, particularly Excel, PowerPoint, and Word.
• AI & Technology Fluency: Demonstrates proficiency in using AI-enabled and digital tools to enhance productivity, analysis, problem-solving, and work quality, applying critical judgment to validate and finalize outputs.
• Excellent verbal, written, and interpersonal communication skills, with the ability to present information clearly and concisely to a variety of audiences.
• Collaborative team player who works constructively with others to accomplish shared goals and identify solutions, while also able to work independently with minimal supervision.
• Highly organized and detail-oriented, with a strong commitment to accuracy, completeness, and accountability in all work product.
• Reliable and dependable, with the ability to manage multiple priorities simultaneously and consistently meet deadlines.
• Results-driven, with strong analytical and problem-solving skills and a focus on delivering high-quality outcomes in a timely manner.
• Flexibility to work outside of standard business hours as needed.

While performing the duties of this job, the Associate is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop.  The Associate must occasionally lift and/or move up to 25 pounds. Evening or weekend work may be necessary to meet deadlines.

This description outlines the basic tasks and requirements for the position noted.  It is not a comprehensive listing of all job duties.

Rialto Capital is committed to the principles of Equal Employment Opportunity. Our policy is to provide equal employment opportunity to all applicants and Associates without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity or expression, national origin, age (40+), disability, veteran status, genetic information (including family medical history), or any other legally protected status.

Our company uses E-Verify to confirm the employment eligibility of all newly hired employees.

To learn more about E-Verify, including your rights and responsibilities please visit: e-verify.gov.