FP&A Analyst

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Job description

LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with an additional office in Charlotte, NC. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2024 - for the third consecutive year - by Sun Sentinel!

We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $5 Billion in real estate capital.

We are not your typical corporate environment. We focus on providing excellent client service, a professional approach, and true reliability.

At LendingOne, we view our people as the backbone of our success. We hire for character and ambition and believe in providing a platform to our employees that cultivates an environment of mutual trust, respect, and benefit.

Position Overview:

We are looking for a detail-oriented, highly analytical FP&A Analyst to join our growing organization! This highly proactive professional will report directly into the CFO. The FP&A Analyst will be responsible for assisting with financial forecasting, budgeting, and analysis to support strategic decision-making across the organization. The ideal candidate will have strong financial modeling skills, and excellent communication abilities.

This is a full-time employment opportunity working in our Headquarters office in Boca Raton, FL.

Requirements

Qualifications:

In order to perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The following list of qualifications and responsibilities is not all inclusive, as each employee is expected to be a team player and may be assigned other tasks as necessary. This is meant to serve as an overview of the position description:

Bachelor's Degree in Accounting, Finance, or related field

Minimum of 3 years of experience as an FP&A Analyst or equivalent role

Intermediate Excel skills

Proficiency in Tableau or PowerBI is preferred but not necessary

Must possess critical thinking skills, proactiveness, and ability to follow through execution

Ability to work independently and with cross-functional teams in a fast-paced environment

Responsibilities:

Prepare funding schedules with calculations for interest, fees, buyer prepayments, and amounts to net fund across loans on loan pools that have been negotiated to be purchased from LendingOne.

Research and respond to buyers of loan pools on any changes to the above information as well as buy price that may result from delays in funding or changes to composition of loans following the issuance of term sheets.

Flag specific loans that have been paid off as a result of loan trades or borrower prepayment and input payoff dates and amounts in Warehouse Lender's Systems in order to cap the accrual of interest charges to LendingOne and identify new balances.

Prepare weekly Capital Market Reports advising of existing balances and utilization of each line of credit, pending trades and impending inflows of capital to advise of overall impact to company's cash forecasting.

In accordance with previously constructed cash forecasting, triage the slate of upcoming closings for the week and determine the most appropriate funding mechanism - eg. Have our Capital Partner Table Fund the day of closing, advance cash temporarily and recoup shortly from our Capital Partner, request funds from one of our various warehouse lines of credit, etc.

Prepare confirmation forms with terms for buyers of Table Funded loans to sign in advance of closing.

Request exceptions to warehouse lending guidelines on a case-by-case basis for exception loan scenarios where it is beneficial for LendingOne to still utilize a Warehouse Line of Credit to fund a loan settlement.

Review and issue compliance reports to Warehouse Lenders to ensure that LendingOne is meeting/exceeding stated balance sheet covenants.

Prepare monthly, quarterly and annual reports consisting of Company and Segment level Budget vs. Actuals variance, Profit and Loss Analysis, and Origination performance.

Perform sensitivity analysis on contemplated changes to forecasts and changes to operating assumptions on overall profitability.

Benefits

Competitive salary depending on experience

Training and career development with growth opportunities

Comprehensive benefits package

Company matching 401(k) Plan

Casual work environment

LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.

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