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Credit Analyst

Remote · Canada Full-time

Become Part of the Avila Real Estate Capital Team Avila Real Estate Capital is a growing real estate credit firm focused on homebuilder finance and residential real estate, providing capital solutions to homebuilders and land developers across the country. Our team works at the intersection of real estate, finance, and credit, evaluating opportunities, managing risk, and helping move projects forward. Joining Avila means becoming part of a team where your work is connected directly to the business. You will have exposure to the decisions, analysis, and relationships that drive real estate lending, while working alongside experienced professionals and building your own capabilities over time. We are looking for self-starters who are curious, analytical, and accountable, ready to grow with a company that's expanding its platform and impact. This is a fast-paced environment, so the right person will take initiative, spot what needs attention, and run with it. Who We Are Looking For We are looking for a Credit Analyst who wants to build a career in homebuilder finance and residential real estate lending and is excited by the opportunity to learn how credit decisions are made from the inside. The right person enjoys working with numbers, digging into the details, asking thoughtful questions, and turning financial information into useful insights. You take pride in accurate work, communicate clearly, and are comfortable managing multiple priorities without losing sight of the details. What You Will Work On As a Credit Analyst, you will support both the underwriting of new loan opportunities and the ongoing monitoring of Avila’s existing loan portfolio. Your work will include: Building and maintaining financial models for prospective loans, including cash flow projections, collateral valuation, and sensitivity analysis. Reviewing and verifying borrower financial statements, rent rolls, budgets, and third-party reports. Preparing loan summaries and supporting exhibits for investment committee review. Researching market data, comparable sales, and local development conditions to support deal sizing. Tracking covenant compliance and financial reporting deadlines across the existing loan portfolio. Updating asset management models as loans draw down, amortize, or otherwise change status. Identifying budget overruns, schedule delays, or other conditions that could affect loan performance. Maintaining accurate loan files and information within Avila’s loan servicing and reporting systems. Preparing recurring internal reports on portfolio performance and pipeline activity. Supporting investor relations with data and materials as needed. Coordinating with originations, servicing, legal, and other team members on document requests and closing conditions. Who You Will Work With You will report to the Director of Homebuilder Finance and work closely with members of Avila’s credit, originations, servicing, legal, and investment teams. This role provides the opportunity to see how different parts of the lending process come together, from the initial evaluation of an opportunity through closing and ongoing portfolio management. For someone early in their career, that exposure creates an opportunity to develop a broader understanding of real estate lending while contributing meaningful work from the beginning. What You Bring Bachelor’s degree in finance, real estate, economics, or a related field. 0 to 2 years of experience in credit analysis, commercial real estate, lending, or a related area of finance. Relevant internship experience is a plus. Strong Excel skills and comfort building and working with financial models. Working knowledge of real estate finance concepts, including loan structures, collateral, and basic construction or development budgets. Strong attention to detail and the ability to manage multiple loan files and priorities while maintaining accuracy. Clear written and verbal communication skills, including the ability to summarize financial findings for people outside the credit team. A self-starter mindset, comfortable working independently, taking initiative, and staying organized in a fast-paced environment while remaining connected with the team remotely. What Success Looks Like Success in this role means becoming someone the team can rely on for accurate analysis, thoughtful work, and consistent follow-through. You will continue building your understanding of real estate credit while developing the judgment and technical skills needed to take on greater responsibility over time. You will ask questions, learn from the people around you, and become increasingly confident in evaluating opportunities and understanding what drives loan performance. Most importantly, you will contribute to the quality of the decisions Avila makes.

Compensation and Benefits

The salary for this position ranges from $55,000 - $75,000 Avila Real Estate Capital offers a full benefits package including: Health coverage 401(k) plan Paid time off This is a full-time, remote position with regular availability expected during standard business hours for collaboration, calls, and coordination with the team. Some flexibility may be needed during closing periods or reporting deadlines. Why Avila A career in real estate lending is built through exposure, experience, and the opportunity to learn from the decisions being made around you. At Avila, you will not simply be producing reports from the sidelines. You will be part of the work, supporting real transactions, understanding how opportunities are evaluated, seeing how loans perform over time, and learning how thoughtful credit decisions are made. If you are looking for an opportunity to build your career in real estate finance while becoming part of a growing company and an experienced team, we would like to hear from you.

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