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About the Role

Ready Capital is seeking an Associate / Senior Associate to join their Originations team in New York City. This role supports senior originators and investment professionals in underwriting, transaction execution, and market analysis for affordable multifamily transactions. The position offers growth potential into independently managing transactions and cultivating business relationships within a dynamic and growing niche business focused on Affordable Housing Finance.

Responsibilities

Support originations team in sourcing, underwriting, and execution of affordable multifamily loan transactions.
Develop and maintain relationships with affordable housing developers, owners, brokers, lenders, investors, and industry advisors to generate new business opportunities.
Create financial modeling and credit analysis for multifamily assets, including review of Loan-to-Value (LTV), Debt Service Coverage Ratio (DSCR), Sources and Uses, and Cash Flow Projections.
Analyze affordable housing transactions involving LIHTC, tax-exempt bonds, agency financing, bridge loans, and other affordable housing capital structures.
Coordinate due diligence materials and support the closing process for bond and loan transactions.
Review legal documentation to ensure alignment with investor requirements and interests.
Prepare transaction summaries, credit memoranda, investment committee materials, and lender presentations.
Collaborate with internal credit, capital markets, legal, and servicing teams to facilitate transaction execution.
Travel nationally to attend industry conferences, participate in networking opportunities, and visit project properties.
Collaborate with internal teams, including capital markets, credit, legal, and servicing, as needed.
Support strategic initiatives aimed at growing the Affordable Multifamily platform and increasing market share.

Requirements

3–5 years of affordable housing lending, LIHTC syndication, multifamily lending not limited to affordable or a related field required.
Proven success driving business development efforts both individually and as part of a team.
Strong relationships within the affordable housing and multifamily finance community preferred.
Advanced financial modeling, analytical, underwriting, and credit evaluation skills.
Strong problem-solving skills with the ability to quickly identify and deliver answers to ad hoc questions from clients.
Strong written, verbal, and presentation skills.
Ability to manage multiple transactions simultaneously in a fast-paced environment.
Advanced proficiency in Microsoft Excel, PowerPoint, and financial modeling tools.

Skills

Financial modeling
Credit analysis
Underwriting
Business development
Microsoft Excel
Microsoft PowerPoint

Location

New York City

Work Type

Hybrid
On-site

Experience Level

Associate
Senior Associate
Mid-career

Salary/Compensations

$110,000 – $135,000

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability coverage
401(k)
Generous paid time off
Company holidays
Discretionary incentive compensation programs

About the Company

Ready Capital is a multi-strategy real estate finance company that originates, acquires, finances, and services small- to medium-sized balance commercial loans.
Specializes in loans backed by commercial real estate, including agency multifamily, investor, bridge, and affordable housing lending solutions.
Headquartered in New York City, Ready Capital employs hundreds of lending professionals nationwide.
One of the fastest growing commercial real estate firms and the #4 commercial mortgage REIT in the country.
Offers a work environment that thrives on collaboration and a corporate culture of employees who are passionate and excited about what they do.

Equal Opportunity

Ready Capital is an equal opportunity employer and is committed to fostering an inclusive workplace where all employees are treated with dignity and respect.