What are the responsibilities and job description for the Credit Analyst position at ARV Finance Inc.?
Credit Analyst — Private Lending
About the Role
We are San Diego's largest private money lender looking for a detail-oriented and financially savvy Credit Analyst to join our private lending team. This role is responsible for evaluating borrower applications, analyzing real estate deals, preparing term sheets, and supporting loans from submission through closing. You’ll work closely with borrowers, sales, and processing to ensure deals move efficiently and meet our underwriting standards.
Unique Opportunity
In this role, you’ll work directly alongside the founder, one of the most experienced residential real estate investors in San Diego. This gives you the opportunity to learn from a leader with deep industry knowledge and gain hands-on exposure to real-world dealmaking, underwriting, and strategic decision-making.
Key Responsibilities
- Review and analyze borrower financials, credit reports, and loan applications
- Evaluate real estate collateral, including ARV, comps, construction budgets, rents and project feasibility
- Prepare loan summaries, risk assessments, and recommendations for approval
- Draft and deliver term sheets to borrowers
- Coordinate with sales, processing, and closing to ensure smooth and timely loan execution
- Communicate with borrowers to collect documentation and clarify underwriting questions
- Track deal progress and maintain accurate records in our CRM
- Identify potential risks, red flags, and compliance issues
- Assist with portfolio monitoring and draw reviews when needed
Qualifications
- Experience in real estate finance, underwriting, lending, or a related field (preferred)
- Strong analytical and financial modeling skills
- Familiarity with construction, multifamily or fix-and-flip projects is a plus
- Excellent communication and organizational skills
- Detail-oriented with the ability to manage multiple deals at once
What Success Looks Like
- Accurate, timely underwriting
- Clear communication with borrowers and team members
- Smooth handoff from underwriting to processing and closing
- Loans that align with company guidelines while supporting borrower success
We work on a hybrid schedule and are in office 2-3 days a week in our La Jolla HQ.
Salary : $70,000 - $110,000