Credit Associate

We are seeking a Credit Associate to join our Originations Team, supporting the underwriting and structuring of real estate debt deals. This role is ideal for a detail-oriented professional with strong analytical skills, financial modeling expertise, and a passion for commercial real estate finance. The Credit Associate will work closely with senior originators, credit risk teams, and external borrowers to facilitate loan transactions from initial screening to closing.

What you have already achieved: (Requirements)

• Bachelor's degree in Finance, Real Estate, Economics, or a related field.
• 1-3 years of experience in commercial real estate lending, private equity or credit underwriting.
• Strong financial modeling and analytical skills, with proficiency in Excel or Google Sheets
• Familiarity with real estate loan structures, risk analysis, and credit metrics.
• Excellent written and verbal communication skills, with the ability to present complex financial concepts clearly.
• Ability to multitask, work in a fast-paced environment, and meet deadlines.

What you are great at: (Responsibilities)

Underwriting & Financial Analysis:

• • Perform in-depth analysis of potential loan opportunities, including reviewing borrower financials, property cash flows, market trends, and collateral performance.
  • Build and maintain financial models (DCF, IRR, DSCR, LTV) to assess risk and return profiles.
  • Conduct stress testing and sensitivity analyses to evaluate downside scenarios.

Deal Structuring & Due Diligence:

• • Assist in structuring loan terms, covenants, and pricing in collaboration with the origination and credit teams.
  • Coordinate due diligence efforts, including reviewing appraisals, environmental reports, title policies, and third-party assessments.
  • Prepare and present investment memorandums for credit committee approval.

Loan Processing & Execution:

• • Support the documentation and closing process, ensuring compliance with credit policies and regulatory requirements.
  • Work with legal counsel to review loan agreements and negotiate terms with borrowers.
  • Monitor pipeline activity and track deal progress in the CRM system.

Market & Industry Research:

• • Stay up to date on macroeconomic trends, real estate market conditions, and lending practices.
  • Provide insights on property performance, borrower creditworthiness, and sector-specific risks.

What you're motivated by:

• Making an impact. Whether it's the residents who call our Thriving Communities home, the investors who trust us to be stewards of their capital, or the sponsors we work with to 10x their business, everything we do is about making an impact.
• Challenges. You see roadblocks as opportunities and are proactive in finding solutions.
• Growth. We've been named to the Inc. 5000 as one of the Fastest-Growing Private Companies in America for eleven consecutive years.

Who We Are

What We Do In One Sentence:

We finance the building of Thriving Communities.

Our Mission:

We are changing the nation through the building of Thriving Communities. We are the leader in funding the building of Thriving Communities centered in safe, attainable housing.

Our Purpose:

To passionately make an extraordinary impact by transforming lives and building Thriving Communities.

Our Big, Hairy, Audacious Goal (BHAG):

To positively impact and transform 10 million lives by funding the building of 5,000 Thriving Communities, becoming one of America's 100 largest private companies.

Our Culture:

• We work hard, marching towards ambitious goals driven by a purpose that's bigger than ourselves.
• We are impact-driven, seeking to make a difference not just on the affordable housing crisis but also in the lives of our employees, investors, and partners.
• We are disciplined, following our exclusive Elite Execution System to develop personally and professionally.
• We strive to Live Fully, finding fulfillment in all areas of our lives.

Our Core Values:

Driven For Greatness: We are driven by the pursuit of knowledge and the paramount importance of a growth mindset, cultivating greatness both personally and professionally.

Living Fully: We prioritize living fully with a dedication to achieving optimal health in all aspects of life: faith, family, friends, freedom, fun , fulfillment, fitness, and finance. . We are intentional with our time, integrating the 8fs of our life to achieve our goals & God's goals.

Grit: We have the endurance and unshakable commitment necessary to achieve our visionary long-term goals.

Community: We elevate the greater good over individual interests, magnifying our impact and cultivating thriving relationships with investors, sponsors, residents, and our colleagues.

Authenticity: We are true to ourselves and others, steadfast in our beliefs and values. We hold ourselves and others accountable, fostering open dialogue to propel growth.

Prepared to Win: We apply discipline to our thoughts and our actions, which leads us to put forth consistent effort and commitment doing the important proactive work despite the urgent priorities we face each day. We plan to win, and are prepared for volatility and challenges.

Kingdom Impact: We share God's love and transformative power through our labor, serving everyone in God's likeness. The world will know God more through our work and how we do it.

Twenty-Mile March: We march towards clear, well-defined goals and objectives with unwavering focus, constantly evaluating our performance and course correcting as needed.

Stewardship: We are guided by our commitments to those who trust us with their capital, their communities, and their careers .

Servant Leadership: We lead with high standards & deep devotion. We display as humble confidence as we build deep relationships and trust. We show the way through the forest, empowering growth, accountability, and a founder's mentality, with team members regularly asking "What else can I do to achieve the desired results?"

Benefits and Perks:

Unlimited PTO, health/dental/vision/life insurance, 401(k) matching, learning/educational incentives, Volunteer Time Off, well-being programs, company events, self improvement/productivity tools, & the incredible feeling of making a difference.

Equal Opportunity Employer:

DLP is a committed Equal Opportunity Employer. If you are a qualified individual with a disability and require assistance in searching for a position or submitting an application, please contact HR at hr@dlpcapital.com. Offers of employment are conditional upon satisfactory completion of pre-employment background verification (including E-Verify). California applicants can view our California Data Privacy Policy here.

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