SimpleCITI Companies, Hiring for Residential Credit Analyst
Overview :
SimpleCITI Companies is a vertically integrated real estate and specialty finance platform built to execute across the full investment lifecycle. Our operating companies specialize in real estate acquisitions, capital markets, brokerage, property management, development, and specialty lending. With expertise in industrial, commercial, mixed-use, and residential real estate, SimpleCITI operates at the intersection of capital deployment, operational execution, and long-term value creation.
Our real estate verticals include :
- SimpleEQUITIES (Private Equity Real Estate)
- SimpleADVISORY (Investment Advisory)
- SimpleMANAGE (Property Management)
- SimpleBRICKS (Development)
- SimpleREALTY ADVISORS (Brokerage & Leasing)
Job Description :
SimpleCREDIT is seeking a detail-oriented and execution-driven Residential Credit Analyst to join our growing credit team. In this high-impact role, you will evaluate, structure, and manage short-term bridge and construction loans across residential transitional assets including ground-up development, rehab, and small multifamily projects.
You’ll work directly with the founder and capital partners, applying institutional-level discipline to credit analysis while operating with the speed and flexibility of a boutique lender. This is an opportunity to shape the credit infrastructure of a next-generation private lending platform.
Loan Evaluation & Underwriting
Analyze borrower profiles, market conditions, project budgets, and exit strategiesUnderwrite loans for rehab, rental, and ground-up residential projectsConduct detailed financial modeling, including pro formas, comp analysis, and budget reviewsEvaluate creditworthiness and collateral strength using LTV, LTC, ARV, and other key metricsDraft concise investment memoranda for internal and capital partner reviewDue Diligence & Structuring
Order and review appraisals, title reports, insurance, contractor profiles, and other third-party reportsRecommend loan terms and structures aligned with SimpleCREDIT’s risk parameters and credit boxCollaborate with legal counsel to ensure compliance with underwriting standards and documentationAssist in setting covenants and draw schedules for construction and rehab loansClosing & Process Execution
Coordinate closing activities with borrowers, legal teams, title companies, and internal stakeholdersEnsure timely, accurate documentation and information flow from term sheet to fundingMaintain loan files, data integrity, and communication logs throughout the loan lifecyclePlatform Development & Internal Ops
Help build and refine underwriting SOPs, loan grading systems, and credit workflowsIdentify operational inefficiencies and suggest process improvementsContribute to the development of reporting templates and risk management toolsRequirements
2–6 years of experience in private lending, real estate credit, or fix-and-flip underwritingProficient in Excel with ability to build models from scratchDeep understanding of credit metrics : LTV, LTC, ARV, DSCR, etc.Experience reviewing appraisals, title reports, scopes of work, and borrower financialsStrong written communication skills and ability to clearly articulate credit decisionsHighly organized, proactive, and execution-orientedBonus : Experience with LendingPad, Liquid Logics, or other LOS / LMS systemsBonus : Familiarity with NY / NJ / CT / PA markets or licensure as MLO or real estate agent