Commercial Real Estate Analyst (Hospitality Focus)

Commercial Real Estate Analyst

You’ll prepare credit memos and annual loan reviews, identify key credit risks and mitigants, and play an integral role in maintaining portfolio quality.

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Key Responsibilities

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Underwriting & Credit Analysis

• Analyze U.S. GAAP financial statements (P&L, Balance Sheet, Cash Flow) to assess borrower performance and creditworthiness
• Prepare initial credit pre-screens and highlight potential red flags or data gaps
• Draft detailed credit memos covering business model, financial history, projections, collateral, covenants, and repayment ability
• Identify key risks (e.g., market conditions, construction exposure, sponsor quality) and recommend mitigants such as additional collateral or reserve structures
• Ensure all documentation aligns with internal credit policy, legal covenants, and risk standards

Servicing & Client Interaction

• Lead annual loan review process by coordinating with sponsors to collect updated financials, operating reports, insurance, and compliance documents
• Monitor loan compliance and draft servicing notes outlining covenant status, breaches, and corrective actions
• Support the funding process by reviewing construction draws, validating budgets, and coordinating approvals

Reporting & Tools

• Build and maintain Excel-based models for DSCR analysis, sensitivity testing, draw schedules, and covenant compliance
• Maintain accurate borrower and loan records in CRM and servicing platforms
• Communicate clearly and professionally in written memos, emails, and client calls

Qualifications & Skills

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Required:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• 2–4 years of experience in commercial, corporate, or SME lending (real estate or construction lending preferred)
• Strong understanding of credit analysis and debt service capacity
• Proficiency in Excel (pivot tables, financial functions, scenario modeling)
• Strong attention to detail and ability to manage tasks independently
• Ability to work reliably during EST hours and collaborate across time zones

Preferred:

• Experience analyzing U.S. tax returns (Forms 1120, 1120S, K-1s)
• Familiarity with hotel or commercial real estate underwriting
• Exposure to credit scoring tools or loan origination systems

Bridge is a technology-driven platform transforming the way mid-sized businesses, hospitality developers, and retail suppliers access capital. By combining innovative fintech solutions with deep industry expertise, Bridge provides fast, transparent, and customized funding solutions, enabling our clients to focus on growth and innovation.

Our platform uniquely leverages strategic partnerships with industry-leading corporations including Walmart, Hilton, Choice Hotels, BestBuy, and Chipotle, and an extensive network of over 100 lenders. This ecosystem ensures unmatched access to competitive financing options. Our vision is clear and ambitious: to make financing efficient, transparent, and user-centric.

Bridge is backed by leading investors including TTV Capital, Citi Ventures, Fin Capital, Correlation Ventures, and US Bank Ventures, and we are rapidly expanding our team to drive the next phase of our growth.

Why Join Us?

• Drive Real-World Impact: Help businesses across industries thrive — from securing construction capital for a family-run hotel chain to funding inventory for a rapidly growing CPG brand.
• Be a Founding Engineer: Join as a core member of a newly formed team, with ownership over projects that directly shape our product and influence the industry.
• Collaborate Globally: Work closely with teammates across our NYC headquarters, Charlotte, and Brazil — in a highly collaborative, cross-functional environment.
• Build with Autonomy: Enjoy ongoing ownership of your work in a fast-paced, high-trust setting where you’ll have the freedom to iterate, innovate, and ship meaningful features.
• Mission-Driven and Well-Backed: Join a founder-led company on a mission to make financing more accessible, backed by top investors like TTV, Citi Ventures, Fin Capital, and US Bank Ventures.
  

What We Offer

• Competitive salary and annual performance bonus
• Company stock option plan
• 401(k) with company contribution
• Comprehensive health benefits (medical, dental, vision)
• Robust parental leave
• On-site team lunches & events
• Growth and learning budget
• A chance to build something that matters
  

Our Values

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We believe access to capital shouldn’t depend on who you know or how big your business is. We’re leveling the playing field with tech, data, and transparency. If you're passionate about fintech, AI, and building tools that solve real-world problems, we’d love to meet you.

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Equal Opportunity

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Bridge is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status.