Associate Director, CRE Debt Investments

The Role at a Glance

We are looking to add an Associate Director to the Commercial Mortgage and Real Estate Investments team.

In this position, you will provide experienced support as part of the Loan Production team in the annual origination of $2 billion of commercial mortgage investments. Additional responsibilities involve the ongoing management of the $17 billion commercial mortgage portfolio. The ideal candidate is looking to grow his/her responsibilities in both credit analysis and new business development.

Primary Location: Charlotte, NC, US – In office Monday-Thursday; Fridays Flexible

What you’ll be doing

Support in business development through mortgage banking relationships within assigned geographic territory.
Underwrite new commercial real estate loans and present analysis and investment recommendations to the Managing Director(s).
Draft term sheets, applications and other transaction related documents.
Complete due diligence including review of leases, rent rolls, third party reports, estoppels, and other business-related matters.
Work with legal counsel to negotiate loan applications.
Draft investment committee memos and present for approval to the Head of Real Estate.
Serve as business liaison throughout the loan closing process working collaboratively with appropriate internal/external stakeholders to effectuate a timely closing.
Travels independently on due diligence and business development trips.
Support Portfolio Management through surveillance of existing loan portfolio.
Handles special servicing requests as requested.
Additional investment support may include equity and credit fund investments.

What we’re looking for

Must- have experience:

4 Year/Bachelor’s degree or equivalent work experience (4 years of experience in lieu of Bachelor’s) – Minimum Required
4-6+ Years’ experience required in commercial real estate finance and/or commercial real estate investment and analysis that aligns with the specific responsibilities for this position.
Experience analyzing asset lending transactions.
Knowledge of commercial real estate principles and valuation methods.
Knowledge of national commercial real estate markets and macro-economic trends that affect those markets.
Ability to understand and evaluate real estate financial statements.
Knowledge of real estate legal concepts and understanding of loan documents.
Ability to understand and apply financial concepts such as but not limited to Future Value, Present Value, Compound Interest, Discounting, Capitalization Rates, and Internal Rate of Return (IRR).
Proficiency with Microsoft Excel and PowerPoint
Experience with Costar and Argus preferred.

Travel: 20%-30% (intermittent)

Application Deadline

Applications for this position will be accepted through May 15th, 2026 subject to earlier closure due to applicant volume.

What’s it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

What’s in it for you:

Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln’s core values and leadership attributes
Leadership development and virtual training opportunities
PTO/parental leave
Competitive 401K and employee benefits
Free financial counseling, health coaching and employee assistance program
Tuition assistance program
Work arrangements that work for you
Effective productivity/technology tools and training

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.