Company Description
Winston Capital Management provides business-purpose real estate loans to investors and developers nationwide, specializing in bridge loans, construction financing, luxury residential properties, acquisitions, transitional assets, and short-term financing. In 2025, Winston Capital closed more than $370 million in real estate loans.
Position Summary
Winston Capital is seeking an experienced Lead Loan Analyst to support the underwriting and analysis of real estate lending transactions. The ideal candidate will have 5+ years of banking, commercial lending, credit, underwriting, or portfolio management experience, with a strong background in commercial real estate.
Key Responsibilities
Underwrite commercial and residential real estate loans and evaluate overall credit risk.
Review financial statements, tax returns, credit reports, bank statements, and borrower financials.
Analyze cash flow, liquidity, leverage, DSCR, LTV/LTC, sources and uses, collateral, and repayment capacity.
Evaluate property performance, market conditions, collateral values, and exit strategies.
Prepare credit memos, loan summaries, financial models, and recommendations for management.
Review appraisals, title, insurance, environmental reports, and other due diligence.
Coordinate with borrowers, brokers, attorneys, appraisers, and internal teams through underwriting and closing.
Monitor loan conditions, pipeline activity, and portfolio performance.
Assist with closing activities and improvements to underwriting processes.
Qualifications
5+ years of relevant experience in commercial banking, CRE lending, underwriting, credit analysis, or portfolio management.
Strong commercial real estate underwriting and financial analysis experience.
Knowledge of DSCR, LTV/LTC, cash flow analysis, collateral valuation, and credit risk.
Experience preparing credit or investment memoranda and loan approval packages.
Strong Excel and financial modeling skills.
Bridge and/or construction lending experience strongly preferred.
Bachelor's degree in Finance, Accounting, Real Estate, Economics, Business, or related field preferred.
Strong analytical, organizational, and communication skills with the ability to manage multiple transactions in a fast-paced environment.

Lead Analyst

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