Senior Debt Origination Analyst

Commercial RE & Private Lending

The Debt Origination Senior Analyst is a critical, high-impact role responsible for leading underwriting and execution across the full lifecycle of complex debt transactions from initial screening through payoff. This position is designed for an experienced analyst who can independently evaluate deals, mentor junior team members, and partner closely with Associates, VPs, and Principals to drive origination volume and execution quality. The role emphasizes judgment, accountability, deep underwriting expertise and experience incorporating AI tools into work proficiency..

Responsibilities

• Lead the review and underwriting of prospective loan opportunities, assessing structure, risk, and overall deal viability
• Independently determine size/pass recommendations and clearly communicate rationale to internal team members and external brokers
• Serve as a primary analytical point of contact for brokers, borrowers, and internal investment committee discussions
• Oversee and maintain accurate, timely deal and broker data within Salesforce, ensuring data integrity and reporting accuracy
• Prepare and review detailed underwriting models, cash flow analyses, sensitivity analyses, and downside scenarios
• Draft, review, and finalize Letters of Intent (LOIs) and support term sheet negotiations in coordination with senior leadership
• Produce comprehensive Credit Memoranda for investment committee approval, ensuring all assumptions, risks, and mitigants are well-supported and clearly articulated
• Conduct advanced market and sub-market research, synthesizing macro trends with asset-level fundamentals
• Lead market contact calls and diligence discussions to evaluate borrower business plans, sponsorship quality, and market dynamics
• Coordinate and manage due diligence processes including escrow, title, legal, and third-party reports, ensuring timelines and deliverables are met
• Assist in quarterly and annual re-underwriting of the loan portfolio, assessing borrower performance, covenant compliance, and market shifts
• Monitor loan performance, track borrower execution against business plans, manage draw process, identify emerging risks, and support workout or modification strategies as needed
• Support equity-side underwriting and asset-level analysis for BOLOUR-owned investments as needed
• Prepare loan closing packages, payoff analyses, and investor communication materials
• Mentor and review work product of junior analysts, helping elevate team-wide underwriting standards and efficiency

Skills Required:

• Strong understanding of commercial real estate valuation, capital structures, and credit risk
• Advanced financial modeling and Excel skills; ability to build and audit complex models independently and use of AI tools for optimizing outcomes.
• Excellent written and verbal communication skills, with experience presenting to senior decision-makers
• Proven ability to manage multiple deals simultaneously while meeting deadlines and maintaining accuracy
• High attention to detail paired with strong judgment and problem-solving capabilities
• Proficiency with Microsoft Office Suite, CoStar, and CRM platforms (Salesforce preferred)
• Experience underwriting bridge, construction, transitional, or value-add real estate loans
• Ability to think like an investor and lender, balancing growth with risk management
• Comfortable taking ownership of work product and operating with limited oversight
• Collaborative team player with the confidence to challenge assumptions and raise concerns when appropriate