Job Description

Join a growing, entrepreneurial private-credit platform with a differentiated approach to real estate lending. The business provides flexible lending solutions across commercial property and offers a fast-paced environment with genuine exposure to deal execution, senior decision-makers and evolving private-credit products. The firm has been operating for over a decade and has grown materially, expanding its team domestically and internationally.

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The Role:

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This is an end-to-end underwriting role, partnering closely with Origination, senior credit leaders and legal stakeholders to assess lending opportunities, prepare approval materials and support deals from initial review through to completion.

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The immediate focus is on non-bank commercial real estate lending, including first and second-mortgage opportunities. This particular team focuses on deals within the $1-10mio space. These deals often involve complex borrower structures, bespoke security packages, development consideration and nuanced valuation risk.

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Key Responsibilities:

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- Assess commercial and residential real estate lending opportunities.
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- Analyse borrower financials, valuations, QS reports, feasibility studies and financial models.
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- Identify key credit risks and develop appropriate mitigants.
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- Prepare credit papers, investment committee materials, scorecards, term sheets and offer documentation.
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- Work with Origination on end-to-end deal assessment and structuring.
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- Support legal documentation, due diligence, treasury/risk processes and underwriting process improvement.
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- Contribute to property and debt-market research, investor materials and capital-raising initiatives.
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Ideal profile:

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You will have at least two years' experience in commercial real estate lending, private credit, banking or a related property-finance environment. Experience in a non-bank lender is well regarded, but the team is also open to high-potential candidates with strong analytical capability and the capacity to learn quickly.

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You will bring:

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- Strong financial-statement analysis, Excel and credit-writing skills.
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- Experience assessing real estate, development or asset-backed lending risk.
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- Ability to understand complex company structures, recourse arrangements and the broader capital stack.
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- Sound judgement, commercial curiosity and comfort making decisions amid ambiguity.
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- A high-output mindset: able to turn a complete opportunity into an approval-ready paper within one to two days, without compromising quality.
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- Transparent communication and strong stakeholder management skills.
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Why this role?

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This business is a first-identifier and first-mover within the lower-mid-market segment for real estate lending. This provides an opportunity to build broad private-credit experience in a business that values commercial thinking, pace and ownership. You will gain meaningful exposure to senior decision-makers and a diverse range of lending products.

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Potential pathways include:

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- Progression into larger-ticket and more complex credit underwriting.
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- Exposure to structured credit, construction lending and pre-development finance.
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- Increasing involvement in Investment Committee submissions and transaction structuring.
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- A future move into Origination for candidates interested in client-facing, commission-based dealmaking.
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📌 Investment Analyst - Private Credit Real Estate (Sydney/Melbourne) (New South Wales)
🏢 Platinum Pacific Partners
📍 New South Wales