Senior Analyst

Job description

**About Ascent** Ascent Developer Solutions is a leading private lending platform, serving real estate developers nationwide in the acquisition, renovation, and construction of residential real estate. Founded by a leadership team with a deep understanding and personal experience in virtually every facet of real estate development, Ascent is uniquely positioned to create custom, innovative lending solutions for a variety of real estate development business strategies. **Your Role** As a **Senior Analyst**, you will play a key role in evaluating and structuring new lending opportunities at the earliest stages of the credit process. You will independently analyze borrowers, guarantors, and collateral, identify key credit risks, provide preliminary transaction recommendations, and partner closely with Underwriters, Loan Officers, and Credit Leadership to determine deal viability. In addition to managing more complex transactions, you'll serve as a resource for junior analysts, help improve screening processes, and contribute to maintaining consistent credit quality across the pipeline. **What You’ll Do** - Perform independent preliminary credit analysis of borrowers, guarantors, and collateral to determine transaction viability. - Analyze borrower financial statements, tax returns, rent rolls, operating statements, and cash flow performance. - Build and review financial models, preliminary underwriting analyses, and screening memorandums. - Identify key risks, mitigants, and structural considerations before transactions move into formal underwriting. - Recommend whether opportunities should proceed based on Ascent's lending guidelines and credit appetite. - Partner directly with Loan Officers to discuss deal structure and identify information needed for credit evaluation. - Coordinate with Underwriting, Legal, Operations, Servicing, and Capital Markets to facilitate smooth deal progression. - Manage multiple transactions simultaneously while maintaining speed and accuracy. - Mentor junior Screening Analysts by reviewing work, providing coaching, and sharing best practices. - Recommend process improvements that increase efficiency, consistency, and quality throughout the screening process. **What You Bring** - Bachelor's degree in Finance, Economics, Accounting, Real Estate, or related field. - 3-5 years of commercial real estate lending, underwriting, screening, or credit analysis experience. - Strong understanding of commercial real estate lending fundamentals. - Advanced Excel and financial modeling skills. - Ability to independently identify credit risks and recommend transaction structures. - Excellent communication skills with the confidence to discuss transactions with senior stakeholders. - Strong organizational skills and ability to prioritize competing deadlines. - Experience mentoring junior analysts or reviewing work products is preferred. **What Success Looks Like** - You communicate proactively and follow through consistently - You take ownership of your work and operate with accountability - You are adaptable and comfortable working in a dynamic environment - You approach challenges with a solutions-oriented mindset - You balance analytical rigor with practical execution - You contribute positively to team culture and collaboration **The Pay** - Salary for this role is $100,000 - $120,000 annually plus eligibility for a 15% bonus. **The Work Environment** - This role works **on-site** from Ascent's Encino office, Monday - Thursday (Fridays are work-from-home). **Our Benefits** We offer a comprehensive benefits package designed to support your health, well-being, and work-life balance. Our benefits include four health plans, two dental plans, health savings account with employer contribution, flexible spending accounts, vision coverage, a 401(k) plan, and other optional benefits from which to choose. **Our Pledge** We pledge to be fair and considerate in hiring and promoting individuals, ensuring everyone can contribute their fullest potential regardless of background, identity, or personal circumstances. By promoting equal opportunity, we not only enhance our workplace but also contribute to a more just and equitable society. At Ascent, we stand united in building a community where everyone is empowered to succeed. Thank you for joining us on our journey towards a more inclusive future.