Real Estate Construction Risk Associate (Fintech)

TL;DR

Real Estate Construction Risk Associate (Fintech): Monitoring and execution of construction and refurbishment loans for a digital bank with an accent on site oversight, draw process management, and credit risk assessment. Focus on validating construction progress against budgets, identifying material risks, and partnering with credit teams to ensure loan parameters are maintained.

Location: Hybrid in New York, NY (4 days/week in-office). Regular travel required across the US portfolio for site visits.

Company

A digital bank serving the lower mid-market with data-driven lending solutions for scaling businesses and property developers.

What you will do

• Conduct site visits to validate construction progress against approved budgets and schedules.
• Monitor active construction and refurbishment projects to identify delays or budget overruns.
• Review and process construction draw requests and verify hard/soft costs.
• Assess construction-related risks for new lending opportunities and contribute to underwriting discussions.
• Manage relationships with borrowers, contractors, and consultants to resolve project issues.
• Collaborate with credit, portfolio management, and deal teams throughout the loan lifecycle.

Requirements

• 3+ years’ experience in third-party engineering consultancy, construction advisory, or similar roles.
• Experience with multiple project types, development scenarios, and construction financing structures.
• Familiarity with draw processes and lender requirements.
• Must be based in New York, NY to support the hybrid office attendance (4 days/week).
• Ability to travel regularly across the US for site visits and borrower engagement.

Nice to have

• Experience as a site-based Project Manager or Owner’s Representative.
• Strong understanding of construction execution, budgeting, and contractor coordination.
• Interest in developing expertise in construction lending and credit risk.

Culture & Benefits

• Exposure to complex, high-profile real estate transactions.
• Rare opportunity to build experience across both construction oversight and credit risk.
• Entrepreneurial, collaborative culture with genuine room for growth.
• Joining a fast-growing international bank transforming commercial lending.