New York City Metropolitan Area
My background includes real estate finance experience on both a local (New York City and the tri-state area) and national basis. This includes over 10 years as a multifamily and commercial underwriter, with both Fannie Mae DUS and Freddie Mac conventional multifamily underwriting experience. Property types: mixed-use, cooperative apartment buildings, student and affordable housing. Master of Science in Real Estate from New York University’s Schack Institute of Real Estate. Additional training in: Credit Analysis, Insurance, Property Condition Assessments, Phase I/Environmental Analysis, Lease Analysis.
▶ SCOPE: Promoted to Underwriting Manager in 2019 from Senior Underwriter role. Oversee and manage first line of defense credit underwriting and portfolio management, ensuring implementation of credit risk management strategies across customer lifecycle. Manage team of 5, with credit team delivering 75–100 deals per year and loan amounts ranging from $15M to $200M+ (with production value $8B–$10B regionally). Perform site inspections of proposed collateral. Optimize underwriting and facilitate portfolio management decisions, leveraging data, models, and advanced analytics tools. Work cross-functionally with legal, compliance, and credit risk teams to meet regulatory requirements and support decision-making. ▶ KEY CONTRIBUTIONS: ● Advanced risk-adjusted credit decisions across Northeastern portfolios by underwriting $15M–$200M loans spanning multifamily and specialty assets. Evaluate cash flows over annual debt service to quantify risk. ● Structured loans ($15M–$80M) with sign-off approval up to $35M, supporting large-scale capital deployment through financial analysis. Produced commitment letters, adjustment letters, and early rate lock applications. ● Ensured regulatory compliance, conducting due diligence by analyzing HAP contracts, PILOT agreements, and affordability requirements. Evaluated third-party reports (appraisal, physical condition, and environmental). ● Produced clear investment recommendations using analytical writing (35- to 40-page reports) to outline historical performance of properties. Integrated detailed narratives on operating statements, markets, and sponsorship. Accelerated loan closings through cross-functional collaboration by coordinating senior management, production, legal, and seller servicers. ● Strengthened team capacity by implementing weekly team calls, mentoring, advising, and training junior underwriting staff. Forged and maintained strong relationships with internal and external stakeholders via phone calls and problem solving.
Underwriting primary and supplemental mortgages on multifamily properties located in the northeastern United States.
▶ SCOPE: Contributed to underwriting of $50M–$75M per year, personally closing 25–30 deals annually in Tri-State Area. Led special projects to support strategic growth. Approved credit decisions by underwriting balance sheet and FNMA mortgages across multifamily and commercial assets. Secured lending approvals through communication, presenting loan requests to bank credit committees. ▶ KEY CONTRIBUTIONS: ● Lowered credit risk through financial and credit analysis by evaluating property performance, sponsors, guarantors, and markets. ● Generated clear transaction insight using structured reporting by authoring detailed loan narrative summaries. ● Enabled loan assumptions through regulatory execution by preparing complete Fannie Mae assumption submission packages. ● Supported growth, leading special projects including due diligence for $800M loan portfolio acquisition from regional bank. ● Maximized portfolio return while minimizing workout time and cost, advising special assets in workout situations by offering best recovery with lowest expenditure of time and resources. ● Maintained regulatory compliance (underwriting guidelines, credit policy, and regulatory guidance), interfacing with regulators and external loan reviewers.
▶ SCOPE: Managed underwriting and credit compliance, delivering nationwide credit approvals by underwriting FNMA DUS multifamily mortgages across diverse property profiles. Reviewed underwritten credit applications, assessing credit and collateral analysis, compliance with lending policy, underwriting standards, regulatory compliance, and risk rating approvals. ▶ KEY CONTRIBUTIONS: ● Delivered nationwide credit approvals by underwriting FNMA DUS multifamily mortgages across diverse property profiles. ● Reduced credit exposure through rigorous analysis by evaluating property financials, sponsors, guarantors, markets, and inspections. ● Increased underwriting quality using people leadership, supervising junior staff while independently underwriting transactions. ● Accelerated loan execution through cross-functional coordination with originators, analysts, closers, legal, and vendors. ● Secured policy exceptions via regulatory expertise by drafting and submitting waiver requests for Fannie Mae approval. ● Maintained deal velocity through pipeline management by contributing to weekly pipeline review meetings. ● Assessed and monitored approvals for identifying troubled debt restructurings. Offered structured guidance, assisting team on more complex transactions to mitigate risk and improve chances for approval.
* Underwrote portfolio and Fannie Mae DUS/Small Loans. * Promoted from analyst to underwriter within 6 months of hire.