Job Description

Purpose and Job Summary:

Reporting to the Managing Director, and under the overall direction of the Senior Managing Director, the Associate supports the origination, screening, and execution of multifamily mortgage financing and tax-exempt bond opportunities within Lument's Affordable Housing platform. This role is responsible for analytical, underwriting, and transaction support functions across the deal lifecycle, from initial screening through closing. The ideal candidate demonstrates strong financial and analytical skills, attention to detail, sound judgment, and the ability to work both independently and collaboratively in a fast-paced team environment.

Essential Duties and Responsibilities:

• Develop a strong working knowledge of all applicable Affordable Housing products offered by Lument, including relevant policies, procedures, and underwriting guidelines.

• Build a thorough understanding of the loan origination and underwriting process across Lument's lending programs.

• Review and analyze prospective loan opportunities for preliminary qualification and screening.

• Perform detailed financial analysis using current and historical property cash flows, operating statements, rent rolls, and other transaction materials.

• Conduct market research and support underwriting conclusions with relevant data and analysis.

• Maintain and update underwriting models and other transaction-related analytical tools.

• Prepare screening narratives, submission memos, and other internal and external deal materials.

• Establish, organize, and maintain transaction files and related documentation.

• Support transactions from engagement through closing, including day-to-day coordination with internal teams, clients, agencies, investors, counsel, and other funding participants.

• Participate in corporate, strategic, and team initiatives as needed.

• Collaborate professionally and effectively with colleagues across the organization.

• Perform other duties and special projects as assigned.

Education, Skills and Experience Required:

• Bachelor's degree in business, finance, accounting, real estate, or a related field required.

• Minimum of 3 years of relevant experience in multifamily housing finance, affordable housing finance, or a related commercial real estate lending environment.

• Experience with Fannie Mae, Freddie Mac, and/or FHA loan programs preferred.

• FINRA Securities Industry Essentials (SIE) required within one year of start date.

• Advanced proficiency in Microsoft Office, with particular emphasis on Microsoft Excel.

• Working knowledge of financial statement analysis, general accounting, cash flow modeling, and mortgage interest calculations.

• Knowledge of real estate finance and investment real estate, particularly multifamily and affordable housing, preferred.

• Excellent organizational, written, verbal, and interpersonal communication skills.

• Ability to synthesize large volumes of information into clear, well-supported credit and business recommendations.

• Ability to learn quickly, work independently, and contribute effectively as part of a high-performing team.

• Strong time management skills, with the ability to manage multiple assignments and transactions simultaneously in a fast-changing environment.

• Flexibility and the ability to perform effectively under pressure and meet tight deadlines.

• Highest degree of integrity, professionalism, discretion, and confidentiality in the performance of daily responsibilities.

• Strong work ethic, initiative, accountability, and motivation, with a collaborative and solutions-oriented mindset.

• Ability to build and maintain trusted working relationships with clients, colleagues, and external partners.

• Minimal travel may be required.

Annual base salary gross: $85,000 - $95,000 (CA only). The base salary range represents the estimated low and high end of ORIX’s salary for this position based on geography. Actual base salaries will vary and will be based on various factors, such as candidate’s qualifications, skills, competencies and proficiency for the role. The base pay is one component of ORIX’s total compensation package for employees. Other rewards and benefits include cash bonuses, long term incentives, health insurance, accident and life insurance, and retirement benefits. Please visit our Benefits page for additional information.

Life at ORIX

We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance.

You Time

We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more.

Family Care

Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way.

Flexible Work Arrangements

ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement.

ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.