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Real Estate Credit Associate

Dallas, TX · On-site

... the Real Estate Credit Associate role will be based in Dallas, TX, and will work in close ... Owns the analytics behind every deal - builds Excel cash-flow models, runs return and sensitivity ...

Hunt

Real Estate Credit Associate

Dallas, TX · On-site

... the Real Estate Credit Associate role will be based in Dallas, TX, and will work in close ... Owns the analytics behind every deal - builds Excel cash-flow models, runs return and sensitivity ...

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Real Estate Credit Analyst information

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How much do real estate credit analyst jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for real estate credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

What is a real estate credit analyst?

Real Estate Credit Analysts are financial professionals who assess the creditworthiness of individuals or companies applying for real estate loans or financing. They analyze financial statements, evaluate property values, review market conditions, and determine the risks involved in lending money for real estate purchases or development projects. Their assessments help lenders make informed decisions about loan approvals, terms, and interest rates. In addition, they may monitor existing loans to identify potential risks and recommend strategies for minimizing losses.

What are some common challenges faced by real estate credit analysts when evaluating commercial property loan applications?

Real Estate Credit Analysts often encounter challenges such as accurately assessing the risk profile of diverse property types and navigating incomplete or inconsistent borrower documentation. They must analyze market trends, tenant stability, and property cash flows while adhering to strict regulatory guidelines. Collaborating with loan officers, appraisers, and underwriters is essential to ensure comprehensive risk evaluation, and balancing thorough analysis with tight deadlines is a frequent part of the role.

What are the key skills and qualifications needed to thrive as a real estate credit analyst, and why are they important?

To thrive as a Real Estate Credit Analyst, you need strong analytical skills, a solid understanding of real estate markets, and a degree in finance, economics, or a related field. Familiarity with financial modeling software, loan underwriting systems, and certifications like CFA or CRE can be highly beneficial. Excellent attention to detail, effective communication, and sound judgment help you assess risks and present findings clearly to stakeholders. These skills and qualifications are critical for accurately evaluating creditworthiness, mitigating risk, and supporting sound lending decisions in real estate finance.

What is the difference between Real Estate Credit Analyst vs Mortgage Underwriter?

AspectReal Estate Credit AnalystMortgage Underwriter
CredentialsTypically requires a bachelor's degree in finance, economics, or related field; certifications like CFA are commonRequires a bachelor's degree; mortgage-specific certifications like MLO license may be needed
Work EnvironmentFinancial institutions, real estate firms, or investment companiesBanks, mortgage lenders, or credit unions
Industry UsageUsed in real estate finance, investment analysis, and credit risk assessmentPrimarily in mortgage loan approval and risk evaluation

The main difference is that a Real Estate Credit Analyst evaluates the creditworthiness of real estate investments or loans at a broader level, often analyzing market trends and financial data. In contrast, a Mortgage Underwriter focuses specifically on assessing individual mortgage applications to determine borrower eligibility and loan risk.

Are real estate credit analysts paid well?

Real estate credit analysts typically earn competitive salaries that vary based on experience, location, and employer size. Entry-level analysts may start with moderate pay, while experienced professionals with certifications like CFA can earn higher compensation, often including bonuses and benefits. Overall, the role offers a solid salary within the finance and real estate sectors.

How do you become a real estate credit analyst?

To become a real estate credit analyst, candidates typically need a bachelor's degree in finance, economics, or a related field. Gaining experience in financial analysis, understanding real estate markets, and developing skills in financial modeling and credit assessment are essential; professional certifications like CFA can also enhance prospects.

What cities are hiring for Real Estate Credit Analyst jobs?

Cities with the most Real Estate Credit Analyst job openings:

What states have the most Real Estate Credit Analyst jobs?

States with the most job openings for Real Estate Credit Analyst jobs include:

What are popular job titles related to Real Estate Credit Analyst jobs?

For Real Estate Credit Analyst jobs, the most frequently searched job titles are:

Commercial Real Estate Credit Manager

Manhattan, NY • On-site

Northeast Bank
See more jobs at Northeast Bankexternal

$100K - $130K/yr

Full-time

PTO

Re-posted 4 days ago

Key responsibilities

  • analyze borrower financial statements, rent rolls, operating statements, and cash flow to assess creditworthiness and repayment capacity

  • review and analyze third-party appraisals, internal valuations, and market data to assess collateral quality, value, and associated risks

  • prepare credit memos and supporting materials for internal approval processes, including Credit Committee presentations

Job description

This position can be located in Boston MA, Portland ME or New York, NY

Northeast Bank is a full-service community bank and a national commercial real estate lender with offices in Maine, Massachusetts, New York, and Connecticut and California. We are looking for motivated and talented individuals who want to make an impact in a growing company that cares about its employees, customers, and the communities it serves. Northeast Bank provides competitive compensation and benefits, generous PTO, and a hybrid work environment dependent on the role. If you are looking for a growing organization that prioritizes its employees, we encourage you to apply.

POSITION SUMMARY: As a national commercial real estate lender with deep industry knowledge, the Bank purchases and originates traditional and transitional loans and other facilities for borrowers and non-bank lenders. The Commercial Real Estate Credit Manager will be part of the Commercial Real Estate Credit Group and play an integral role in evaluating, underwriting, and monitoring credit risk across the Bank’s real estate loan portfolio and new lending opportunities. This role will support the credit process through detailed financial analysis, collateral evaluation, and market research, contributing to well-informed lending decisions and ongoing portfolio management. 

KEY RESPONSIBILITIES: 

  • Credit Analysis: analyze borrower financial statements, rent rolls, operating statements, and cash flow to assess creditworthiness and repayment capacity 
  • Collateral Evaluation: review and analyze third-party appraisals, internal valuations, and market data to assess collateral quality, value, and associated risks 
  • Portfolio Monitoring: support ongoing surveillance of portfolio credits by tracking financial performance, covenant compliance, and market conditions 
  • Credit Memoranda & Reporting: prepare clear, concise credit memos and supporting materials for internal approval processes, including Credit Committee presentations 
  • Collaboration: partner with originations, real estate, asset management, and senior credit team members to evaluate opportunities and manage risk across the platform 
  • Due Diligence: participate in due diligence efforts, including borrower calls, site inspections when appropriate, and review of third-party reports (appraisals, environmental, engineering, etc.) 
  • Portfolio Management: when necessary, manage a portfolio of acquired or originated loans
  • General: Successfully pass technical and regulatory examinations required by the Company.

KNOWLEDGE, SKILLS AND ABILITIES: 

  • Experience: 4+ years of experience in commercial real estate lending, real estate valuation and/or underwriting.
  • Education: Bachelor’s degree with a strong track record of performance and leadership. Formal bank credit training or continuing education in credit and/or real estate topics a plus
  • Technical Skills: Intermediate to advanced Excel skills with knowledge of real estate financial modeling and operating business analysis
  • Communication: Exceptional interpersonal and written skills; ability to distill complex credit analysis into concise investment memos and Credit Committee presentations
  • Mindset: A “can-do” attitude with the ability to thrive in a fast-paced, feedback-heavy environment
  • Compliance: Ability to successfully pass all technical and regulatory examinations required by the Bank

PHYSICAL DEMANDS AND CONDITIONS:

  • Standard office environment with significant time spent stationery at a desk/computer 
  • Some domestic travel is required for site inspections and due diligence.
  • Must be able to occasionally lift up to 25lbs.
  • Working knowledge of the technology and equipment necessary to complete day-to-day work assignments
  • Work in a modern office environment with moderate noise and close proximity to co-workers.
  • Must express or exchange ideas and meaning with co-workers, supervisors, customers and vendors.

Northeast Bank is an equal employment opportunity and affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity and expression, national original, veteran status and any other classification protected by Law. We celebrate diversity and are committed to creating an inclusive environment for all employees.