Housing Trust Silicon Valley is looking for a team player who thrives in a fast-paced collaborative environment and is eager to take on increasing scope to contribute to their growth. Housing Trust is recruiting a Credit Analyst to join their Multifamily Lending Team in San Jose, CA. This is an exciting time to learn and grow in this industry! The company is a 100% self-sufficient non-profit that is committed to maintaining the work/life balance. This is a hybrid role where you will work 3 days on-site. In this position, you will be responsible for supporting HT ’s multifamily lending (MFL) team in evaluating and underwriting affordable housing loans. This includes financial analysis, due diligence, business development, and system improvement. If this role matches your skills and interests, learn more and apply today! 

Another Source's client, Housing Trust Silicon Valley, is recruiting a Credit Analyst to join their Multifamily Lending Team in San Jose, California. This position will play a vital role in supporting the evaluating and underwriting of affordable housing loans - it is an exciting time to join the team at Housing Trust Silicon Valley! 

This position is hybrid (on-site 3 days per week) and offers a very generous PTO plan. They are a 100% self-sufficient, non-profit that is committed to maintaining work / life balance. 

About Housing Trust:  

Housing Trust is looking for exceptional people who believe that safe, stable affordable housing opens the door to better living for everyone.  Serving people experiencing homelessness to renters to first-time homebuyers, we assist a wide range of residents with programs across the entire spectrum of housing issues. Since 2000, Housing Trust has invested $446 million –creating over 24,000 affordable housing opportunities serving over 44,000 of our neighbors. Housing Trust has led the way in engaging local corporations and foundations in investing hundreds of millions of dollars to work with us to bring more solutions to the market all while experiencing several years of high growth in our lending business. 

Read more about our competitive benefits package. 

Learn more about the team 

Read about what we do 

About the role:  

We believe that our employees are our greatest assets and our goal is to create a rewarding workplace where they can contribute in meaningful ways and are given a path for advancement and success. We offer competitive compensation and generous benefits. 

What are we looking for? A team player who thrives in a fast-paced collaborative environment and is eager to take on increasing scope to contribute to Housing Trust’s capacity to support our growth. Someone who pays careful attention to detail and possesses excellent communication skills. Someone who is driven to help others and comfortable interfacing with both internal and external stakeholders. A problem solver and solutions-oriented individual who is ready to engage immediately and efficient at balancing multiple priorities and tasks. Someone who is interested in affordable housing lending and enthusiastic about effecting meaningful change on one of the most pressing issues facing our region – creation and preservation of housing for low to middle-income families. 

It is an exciting time to join the team at Housing Trust Silicon Valley – we are experiencing a lot of growth and with that comes a lot of opportunities for you to grow alongside us. 

POSITION OVERVIEW: 

The Credit Analyst reports to the Director of Multifamily Lending and is responsible for a variety of tasks associated with supporting HT ’s multifamily lending (MFL) team in evaluating and underwriting affordable housing loans.   The Credit Analyst will support the MFL team by performing lending activities that include origination support, financial analyses, third party review assessments, site visits, marketing, and relationship management support. Responsibilities include, but are not limited to the following: 

Primary Duties and Responsibilities: 

• Financial Analysis (~30%) 
• Due Diligence (~25%) 

• Relationship/Business Development (~25%) 
• System Improvement (~20%) 

Qualifications: 

• Bachelor’s degree in business, finance, real estate, urban planning, or economics, and at least 2 years’ experience in a related field. Additional years of experience can substitute for a bachelor’s degree.   
• Basic experience in affordable housing or real estate, including credit analysis.  

• Proficiency in analyzing financials of nonprofit and for-profit organizations and real estate operations (in particular, rental housing).  
• Basic knowledge of due diligence items required to underwrite real estate transactions including but not limited to appraisals, environmental, and construction cost review reports.  
• Experience working with both private sector financial institutions and public agencies.  
• Familiarity with federal, state, and local government funding sources for capital and operating needs of multi-family housing, affordable housing and/or permanent supportive housing, (e.g., LIHTC, HUD programs, etc.) desired.  
• Excellent written and verbal communication skills are required.  

• Proficient in Microsoft Office, file management software (Box), and CRM software (Salesforce)  
• Ability to manage multiple tasks while exhibiting strong attention to detail and a high level of accuracy.   
• Strong analytical, time management and critical thinking skills.   
• Ability to work effectively in a team environment and collaborating across various levels of diversity including race, color, national origin, ancestry, sex, marital status, disability, religious or political affiliation, actual or perceived gender identity, age, or sexual orientation.  
• Embrace a work culture that celebrates creativity and innovation.   

Benefits Overview: 

• Medical, Dental and Vision benefits fully covered for employees. Eligible dependents covered at 50%. 
• 401K employer contribution at 3% and additional match up to 2%.  
• 3 weeks of paid vacation 
• 12 paid sick days 

• Paid year-end shutdown 
• End of year bonus 
• Tuition reimbursement program and more... 

Housing Trust is an equal opportunity employer to all regardless of race, color, national origin, ancestry, sex, marital status, disability, religious or political affiliation, actual or perceived gender identity, age or sexual orientation. Housing Trust is committed to diversity, equity and inclusion and our goal is to have a workforce (at all job levels) that is representative of the communities we serve. 

Another Source works with their clients, on a retained project basis, to maximize the recruiting process.