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Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Role:

The Credit Analyst is responsible for underwriting and analyzing credit risk for commercial borrowers, with a primary focus on multifamily real estate. This role supports new loan originations and portfolio management by spreading financial statements, building cash flow models, preparing credit memoranda, and collaborating closely with relationship managers, portfolio managers, and clients. The analyst will also underwrite non–real estate credit products, including lines of credit, business term loans, and SBA loans**.**

What You'll Do:

Underwrite and analyze commercial real estate loans with an emphasis on multifamily properties

Spread and analyze borrower and guarantor financial statements, tax returns, rent rolls, and operating statements

Build and maintain financial models, cash flow analyses, and debt service coverage calculations

Prepare clear, well-supported credit memoranda and internal reports for loan committees

Assist with underwriting and analysis of commercial lines of credit, business term loans, and SBA loan requests

Conduct global cash flow analysis for complex borrowing relationships

Work closely with relationship managers, portfolio managers, and customers to obtain required documentation and clarify financial information

Support ongoing portfolio monitoring, including annual reviews, covenant tracking, and risk rating updates

Ensure compliance with bank credit policy, regulatory requirements, and SBA underwriting standards

Utilize loan operating systems and data tools to manage credit files and reporting efficiently

What You'll Need:

Bachelor’s degree in Finance, Accounting, Economics, Real Estate, or a related field

Minimum of 5 years of commercial credit analysis or underwriting experience, preferably within a bank or financial institution

Strong experience underwriting commercial real estate loans, particularly multifamily

Working knowledge of commercial lending products, including lines of credit and business term loans

Familiarity with SBA loan underwriting and documentation requirements

Advanced proficiency in Microsoft Excel, including financial modeling and cash flow analysis

Experience with n Cino or similar advanced loan operating systems

Working knowledge of Airtable or comparable data management tools

Strong analytical, organizational, and written communication skills

Preferred Qualifications:

Experience supporting relationship managers in a commercial banking environment

Familiarity with portfolio management and ongoing credit monitoring

Ability to manage multiple priorities in a deadline-driven environment

Strong customer-facing communication skills and collaborative mindset

What We Offer:

Competitive salary and benefits package

Opportunity to work with a growing commercial real estate portfolio

Collaborative team environment with exposure to complex credit structures

Professional development and advancement opportunities

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at So Fi page!
So Fi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
So Fi is committed to an inclusive culture. As part of this commitment, So Fi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.