Real Estate Investment Associate

About Us

Shin Yen Retail Property Management is a leading commercial real estate company with a growing portfolio of retail properties across diverse markets. We are committed to strategic growth through expert property management, capital investment, and financial excellence. We're seeking a seasoned finance professional—preferably with a background in banking—to support and strengthen our investment analysis and capital market strategies.

Job Overview

The Senior Analyst - Real Estate Finance will leverage prior banking experience to manage loan portfolios, assess credit risk, and support real estate investment activities. This role is ideal for a former credit analyst, commercial real estate lender, or investment banking analyst who is looking to apply their financial and risk expertise within a fast-paced commercial real estate environment.

Key Responsibilities

Credit & Risk Analysis (Banking-Focused)

• Evaluate real estate creditworthiness by analyzing financial statements, rent rolls, DSCR, and borrower/investor financials.
• Assess and monitor loan performance; recommend credit actions to mitigate risk and optimize returns.
• Maintain and improve relationships with banks, insurance lenders, and CMBS providers to support future financing needs.
• Ensure all underwriting, loan compliance, and financial documentation meet internal and regulatory standards.

Financial Analysis & Reporting

• Conduct in-depth financial modeling, stress testing, and forecasting to evaluate investment and refinancing scenarios.

• Prepare and present loan performance reports and credit memos aligned with banking standards.
• Track and report key metrics across the portfolio such as DSCR, LTV, NOI, IRR, and cash-on-cash returns.
• Communicate discoveries and recommendations with property management and accounting departments to enhance portfolio performance.

Capital Markets & Debt Financing

• Structure financing packages for new acquisitions and recapitalizations by working closely with banks and other financial institutions.
• Prepare investment summaries, offering memoranda, and lender pitch materials.
• Support refinancing initiatives by preparing financial models and coordinating lender due diligence.
• Prepare comprehensive investment packages for capital raising efforts and investor presentations, banking meetings, and transaction closings.
• Attend relevant real estate and commercial lending conferences to explore new capital sources and investment strategies.

Acquisitions & Deal Support

• Analyze potential acquisition targets through market research, underwriting, and financial feasibility modeling.
• Assist in the due diligence process for property acquisitions, including legal, financial, and operational reviews.
• Assist in structuring transactions and negotiating terms with sellers, brokers, and other stakeholders.
• Lead presentations with management for lenders, business partners, and potential joint ventures.

Portfolio Strategy & Planning

• Analyze annual budgets, create financial projections, and propose strategic financial plans.
• Work closely with accounting and property management teams to validate financial transactions and ensure accuracy in reporting.
• Measure financial risk associated with management's investment decisions and provide recommendations for improvement.
• Support lease analysis, rent roll evaluations, and tenant financial assessments.
• Prepare scenario analyses for capital deployment, interest rate shifts, and refinancing impacts.

Systems & Process Optimization

• Utilize Yardi and Argus to perform modeling, track portfolio performance, and ensure data integrity.
• Recommend improvements to financial workflows, credit review processes, and reporting tools.
• Ensure compliance with company policies, financial controls, and industry regulations.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or a related field (MBA preferred).
• 5+ years of experience in a commercial banking, investment banking, or credit analysis role focused on real estate.
• Strong understanding of commercial real estate lending, credit policy, underwriting, and financial structuring.
• Advanced Excel skills required; experience with Argus and Yardi strongly preferred. Ability to learn software quickly.
• Strong analytical and presentation skills, with the ability to clearly communicate financial insights.
• Experience working with financial institutions, institutional investors, and internal leadership teams.
• Self-motivated, highly organized, and detail-oriented with the ability to manage multiple priorities.

Job Type: Full-time

Pay: $80,000.00 - $86,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday
• No weekends

Ability to Commute:

• Chino, CA 91710 (Required)

Ability to Relocate:

• Chino, CA 91710: Relocate before starting work (Required)

Work Location: In person