Job Description
Job Description
LOAN PORTFOLIO ANALYST-Construction & Fix and Flip | Credit & Portfolio Management
Reports to: Chief of Technology
Salary Range: $150,000 annually
Essential Functions
- Analyze and monitor the performance of business-purpose loan portfolios, including Fix-and-Flip and Ground-Up Construction loans.
- Produce weekly, monthly, and quarterly reporting packages; track KPIs such as loan aging, draw utilization, construction timelines, delinquency/default trends, loss severity, and realized IRR/ROI.
- Maintain and update portfolio dashboards using advanced Excel, Power BI, and/or Tableau to support real-time visibility into loan and project performance.
- Work closely with the Technology Department , which will provide SQL datasets for reporting.
- Work closely with the Capital Markets Department to support strategic loan pool analysis for securitization.
- Work closely with the Marketing Department to provide trends and performance analysis.
- Conduct portfolio surveillance by monitoring payment behavior, extension requests, cost overruns, stalled progress, and borrower performance patterns.
- Support stress-testing and scenario modeling, assessing portfolio cash-flow impacts and risk-adjusted performance, including modeling of CDR and CPR .
- Clean, validate, and normalize data from multiple systems (LOS, servicing platforms, draw-management tools), ensuring a single source of truth for reporting and analytics.
- Assist in preparing loan tapes, collateral data, and performance summaries for forward-flow arrangements, warehouse lender reporting, and whole-loan sales.
- Collaborate with underwriting, servicing, construction management, capital markets, and executive leadership to support credit decisions, operational improvements, and portfolio strategy.
- Support the Asset Management Department through reporting on servicing records, project documentation, loan files, and investor reporting requirements.
Competencies/Skills
- Proven analytical experience in real-estate lending, loan servicing, business-purpose credit, or portfolio analytics.
- Advanced Excel capabilities (pivot tables, SUMPRODUCT, INDEX/MATCH, array formulas) and strong SQL proficiency.
- Strong experience using Power BI, Tableau, or similar tools to build dashboards and data-visualization reports.
- Knowledge of Fix-and-Flip and Ground-Up Construction lending, including budgets, draws, inspections, project lifecycle, and risk indicators.
- Excellent attention to detail with the ability to interpret complex loan data and communicate findings clearly to senior leadership.
- Ability to manage multiple priorities in a fast-paced, growth-oriented lending environment.
- Strong communication skills (written and verbal) when working with internal teams, borrowers, and external partners.
- Self-starter with a process-driven mindset and strong problem-solving capability.
Education and Experience
- Bachelor’s degree in Finance, Real Estate, Economics, Accounting, Math, Computer Science, or a related field.
- 3–5+ years of experience in real-estate credit, loan-servicing analytics, hard-money lending, private credit, or loan portfolio analysis.
- Experience with LOS/servicing systems (LendingPad, Encompass, Mortgage Automator, REFG/Drawbridge, or custom LOS).
- Experience supporting capital-markets functions, loan sales, investor reporting, or valuation processes (preferred).
- Background in private equity real estate, private credit, specialty finance, or construction lending (preferred).
- Familiarity with cash-flow modeling, loan waterfalls, or credit-risk frameworks (plus).
- Formal Bank Credit Training is a plus but not required.
Accessibility :
At Archest, we will make reasonable accommodation to enable individuals with disabilities to perform essential functions. Please just let us know by contacting us at careers@archwestcapital.com
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