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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 Collateral Analyst will support the bank’s commercial real estate (CRE) lending platform with a primary focus on multifamily properties. This role is responsible for analyzing collateral performance, building analytical reports and financial models, and delivering actionable commercial real estate market insights to senior management. The ideal candidate has strong analytical skills, deep familiarity with CRE data sources, and the ability to translate complex data into clear, decision-ready insights.

What You'll Do:

• Analyze and monitor collateral supporting commercial real estate loans, with an emphasis on multifamily assets

• Build and maintain recurring and ad-hoc reports for senior management, credit committees, and portfolio oversight

• Develop financial and valuation-related models to assess collateral performance, trends, and risk exposure

• Aggregate, clean, and analyze CRE data from internal systems and third-party sources

• Produce market insights on multifamily and broader CRE trends, including supply/demand, rent growth, cap rates, and geographic performance

• Utilize Co Star to research market data, comparable properties, and regional trends

• Leverage Airtable to organize datasets, track collateral metrics, and support reporting workflows

• Partner with credit, underwriting, and portfolio management teams to support risk assessment and strategic decision-making

• Assist with stress testing, portfolio reviews, and special projects as needed

What You'll Need:

• Bachelor’s degree in Finance, Real Estate, Economics, Business, or a related field (Master’s preferred but not required)

• Minimum of 5 years of experience in commercial real estate analysis, collateral analysis, credit, or portfolio management

• Strong experience with multifamily real estate analysis

• Proficiency with Co Star for market research and property analysis

• Hands-on experience using Airtable for data management and reporting

• Advanced Excel skills; experience with financial modeling required

• Experience using Tableau and Snowflake

• Strong written and verbal communication skills, with the ability to present insights to senior management

Preferred Skills:

• Experience working in a bank or regulated financial institution

• Familiarity with loan portfolio monitoring and collateral risk metrics

• Ability to automate or streamline reporting processes

• Strong attention to detail and ability to manage multiple priorities

What We Offer:

• Competitive compensation and benefits

• Exposure to senior leadership and strategic decision-making

• Collaborative team environment with a focus on data-driven insights

• Opportunities for professional growth within commercial banking and real estate finance

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.