Real Estate Underwriter Resume Samples

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C Brakus

Chanelle

Brakus

79720 Quigley Cliffs

New York

+1 (555) 293 7277

79720 Quigley Cliffs

New York

Phone

p +1 (555) 293 7277

Experience Experience

Phoenix, AZ

Real Estate Underwriter

Phoenix, AZ

Labadie, Nikolaus and Walter

Phoenix, AZ

Real Estate Underwriter

Analyze financial feasibility of new transactions, including the financial feasibility of construction loans, bridge loans, and permanent loans
Work with Banking and Asset Management teams during closing of new transactions
Liaise between front office and all areas of the firm, not limited to Legal, Operations, Technology, and Risk
Responsible to review transactions for internal and external (local laws and regulatory) policies
Works closely with other CBG Departments (e.g. Cash Management, Capital Markets, Equipment Leasing, Trade Finance), and other major areas of the Bank to manage the risk of complex financial products and services
Participates, oversees, and assists in the preparation of CRRs, recommending credit facilities by signing final document. Ensures credit facilities and transactions are properly structured, priced, and documented
Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan

Phoenix, AZ

Commercial Real Estate Underwriter

Phoenix, AZ

Haley, Mueller and Ruecker

Phoenix, AZ

Commercial Real Estate Underwriter

Assists the Debt Products Manager with review of loan documents pre-closing
Review, analysis and risk assessment of property operating statements for various types of properties under Underwriting Manager's supervision
Performs other duties as assigned
Runs projections and performs standard commercial real estate property analysis
Ensures development and preparation of effective proposals for presentation to existing and potential customers
Provide concise summaries of risk factors in each of the aforementioned areas
Reviews closing due diligence in collaboration with Debt Products Manager

present

Chicago, IL

Cred Senior Real Estate Underwriter

Chicago, IL

Kilback, Marquardt and Mayert

present

Chicago, IL

Cred Senior Real Estate Underwriter

present

Analyzes financial data related to new and renewal loan requests, including lines of credit, asset-based lines, commercial real estate, and equipment financing loans
Presents facts to Commercial Relationship Managers (CRM) concerning applicant’s credit worthiness
Reviews and monitors commercial and/or real estate loan documents for accuracy, completeness and adherence to approval conditions
Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
Assists Commercial Relationship Managers (CRMs) in managing day-to-day details for larger relationships, maintaining contact with clients and resolving issues
Provides leadership for other Underwriters within the unit and may manage/supervise associates by assigning work and resolving problems
Performs as the primary contact with existing/established relationships

Education Education

Bachelor’s Degree in Business

Kennesaw State University

Bachelor’s Degree in Business

Skills Skills

Strong motivation, with the ability to work without supervision. Keen judgment, a strong work ethic and pay for performance attitude
High attention to detail and the desire to take ownership of a process to drive towards resolutions
Ability to travel (20% of time) on short notice necessary
Thorough knowledge of commercial lending policies, procedures, practices and documentation including accounting, financial statement and cash flow analysis
Demonstrated experience in portfolio management and quality control
Very strong writing and editing skills
Thorough knowledge of financial services used by commercial customers
Demonstrated experience in financial projection modeling
Generally targets companies with sales of $25 million or higher

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Commercial Real Estate Underwriter Resume Examples & Samples

Uses various reporting services to compile reports on clients
Researches and analyzes financial statements; interprets findings; and prepares various reports
Prepares and delivers written and oral credit presentations
Maintains documentation files and monitors compliance with terms of loan/accounts
May periodically monitor the financial position of established accounts and bring irregularities to higher level associates
Prepares spreadsheets, reports, summaries and opinions
Prepares report evaluations, ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
Conducts due diligence investigations for prospective transactions
Concepts, practices and procedures of credit analysis
Federal and State laws
Finance and/or accounting principles, practices and procedures
Reading, interpreting, analyzing and applying information from credit reports
Researching, interpreting and analyzing financial statements
Preparing financial position and credit reports
Maintaining documentation files
Monitoring compliance with loan/accounts
Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines
Preparing and delivering oral and written presentations
Performing due diligence
Partner with others to accomplish objectives
Interpret and apply policies
Manage multiple tasks with changing priorities to meet deadlines in a fast paced environment with constant interruptions
Provide a high level of customer service
Establish and maintain effective working relationships with others
Provide support on sales calls
Solve moderately complex problems
Bachelor’s Degree (B.A.) in Finance, Accounting, Business or related field with three (3) years of credit analysis experience

Real Estate Underwriter Resume Examples & Samples

Analyze financial feasibility of new transactions, including the financial feasibility of construction loans, bridge loans, and permanent loans
Strong analytical and computer skills, including Word and Excel, as well as strong inter-personal and communication skills, both written and verbal
Understand and negotiate structure, terms and conditions with borrowers in a constructive way, based on logic and underwriting issues, with the goal of securing transaction approval while appropriately managing risk to the company
Strong working knowledge of the nuances of Affordable Housing, bond and LIHTC transactions will be very highly weighted in favor of the successful candidate
Work with Banking and Asset Management teams during closing of new transactions
Liaise between front office and all areas of the firm, not limited to Legal, Operations, Technology, and Risk
Responsible to review transactions for internal and external (local laws and regulatory) policies
This person will have the tact and composure to deal with clients, lawyers, internal Relationship Managers and Credit Risk Management
This person will have the experience to understand in depth real estate transactions originated by others
The successful candidate will be comfortable analyzing real estate projects for financial feasibility as well as analyzing market driven factors. This person will be well versed in commercial real estate concept such as NOI, Cap Rates, debt service coverage, etc
Individual must have excellent communication, organizational and interpersonal skills, as well as the ability to multi-task under tight deadlines
Strong motivation, with the ability to work without supervision. Keen judgment, a strong work ethic and pay for performance attitude
High attention to detail and the desire to take ownership of a process to drive towards resolutions
Ability to travel (20% of time) on short notice necessary

Commercial Real Estate Underwriter Ii Resume Examples & Samples

Evaluates collateral adequacy, industry risk, purpose and viability of business
Assesses strengths and weaknesses of loan requests. Completes financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis
Thoroughly documents the credit request in the appropriate format

Commercial Real Estate Underwriter Resume Examples & Samples

Six to ten years of hands-on real estate experience with specific experience in any one or a combination of : (1) real estate lending or underwriting, (2) portfolio management (3) credit or financial analysis (4) completion of Corporate Credit Training or Professional Development Program (5) real estate acquisitions, (6) real estate dispositions, (7) property management, (8) real estate appraisal, (9) real estate market research
Ability to manage deadlines and multi-task and maintain high production and quality standards
Must be self motivated and able to work in teams and individually

Commercial Real Estate Underwriter Resume Examples & Samples

Develops innovative credit solutions to meet customer/prospect credit needs
Works closely with other CBG Departments (e.g. Cash Management, Capital Markets, Equipment Leasing, Trade Finance), and other major areas of the Bank to manage the risk of complex financial products and services
Ensures development and preparation of effective proposals for presentation to existing and potential customers
Ensures quality control and risk management of relationships managed. Identifies, classifies, and monitors problems or potential problem loans in compliance with the internal credit review policy. Tracks and monitors receipt of financial reporting and covenant compliance certificates. Attempts to collect on accounts that are delinquent including negotiating payment schedules, obtaining proper pre-approval if required
LI-LN1
Ten or more years of directly related experience
Thorough knowledge of commercial lending policies, procedures, practices and documentation including accounting, financial statement and cash flow analysis
Thorough knowledge of financial services used by commercial customers
Very strong writing and editing skills
Demonstrated experience in financial projection modeling

Senior Commercial Real Estate Underwriter Resume Examples & Samples

All underwriting requests from all Regional Offices, are administered through the New York office. This position must evaluate and underwrite various types of real estate in all parts of the country
Minimum of seven years proven and progressive commercial real estate and multi-family underwriting experience in Metro NY and other major national markets or equivalent
Bachelors degree in Business, Real Estate, Finance, related field or equivalent experience
Strong communications, analytical, planning and organizational skills

Cbg Credit Analyst Real Estate Underwriter Resume Examples & Samples

Produces qualitative financial review for credit requests. Handles basic to moderately complex credit relationships. Analyzes credits including financial statement spreading analysis, tax return analysis, and financial statement projections to make recommendations of client's credit situation
Ensures portfolio maintenance by monitoring delinquencies, matured and maturing loans, and assisting with the preparation of extension requests. Sets up credit files and ensures assigned files are complete and updated according to BOW compliance standards. Also sets up covenant and compliance tracking on Balenz
Provides support to the regional and division managers for special projects and reporting tasks. Such special projects may include compliance tracking, portfolio analysis, budget forecasts and the creation of excel based underwriting tools
Attends client and team meetings and assists in determination of client needs. Assists Relationship Managers and others with completion of Credit Requests and other tasks as needed, providing analysis and review as applicable in a timely fashion free of errors
Associate’s Degree in Business or Finance preferred
Bachelor’s Degree in Business or Finance preferred
0 to 2 years of direct experience including financial statements, tax returns, and/or cash flow analysis, or related equivalent
This CBG Credit Analyst position is assumed to be part of the career path for future relationship management or credit-related job families
Strong knowledge and ability to analyze financial statements, tax returns and cash flow
Strong working knowledge of Microsoft Office (Word, Outlook, Excel)
Strong working knowledge of other software used for analysis such as MFA and Tax Analysis
Ability to perform independently with a minimum of supervision

Commercial Real Estate Underwriter Resume Examples & Samples

For Commercial Real Estate Underwriter I, none previous experience; One year or more years of commercial real estate credit/lending experience for Commercial Underwriter II; three or more years required for Commercial Underwriter III
Superior verbal, written, and organizational skills
Must be able to prioritize tasks
Demonstrated management skills and ability to achieve communicated deadlines
Excellent computer skills in Windows, Moody’s Risk Analyst or AFS Level III (loan system). Argus DCF experience is a plus
Understand business and personal financial statements
Ability to perform income producing property analytics

Real Estate Underwriter Resume Examples & Samples

Supports unit's growth and profitability through underwriting credit requests and proactively monitoring credit portfolio
Together with Relationship Manager, takes primary responsibility for managing credit needs of a portfolio of 15 or more commercial banking relationships providing consultative underwriting advice, credit analysis, and ongoing monitoring of credit products and services to meet customer's needs and minimize credit losses to the Bank
Participates, oversees, and assists in the preparation of CRRs, recommending credit facilities by signing final document. Ensures credit facilities and transactions are properly structured, priced, and documented
Interacts with Credit Administration, Appraisal, Legal, and other related Bank personnel regarding issues of credit quality, appropriate compensation for risk, as well as new business and related trends
Bachelor’s Degree in Finance required
Master’s/Advanced Degree in Finance preferred
Demonstrated experience in portfolio management and quality control
Geographic market knowledge preferable
May require knowledge of specific industry

Commercial Real Estate Underwriter Resume Examples & Samples

Supports unit's growth and profitability by producing qualitative financial reviews for transactions. Determines optimal transaction structure by analyzing credits, including financial statement spreading analysis and cash flow projections to
Proactively manages transaction process from pitch to closing; assists with the preparation of term sheets and monitors ongoing transactions to ensure proper documentation for loan closing. Establishes transaction data rooms and populates with offering materials, collateral documents, and credit documents
Attends client and team meetings and assists in determination of client needs. Assists Senior Officers with the completion of marketing materials and other tasks as needed, providing timely, error-free analysis and review as applicable
Interacts with Relationship Managers, Credit Product Officers, CBG Loan Servicing, Legal, and other related Bank personnel regarding issues of credit quality, appropriate structure, as well as new business and related trends
Manages the risk of complex financial products and transactions by working closely with other CBG Departments (e.g., Cash Management, Capital Markets, Equipment Leasing, Trade Finance), and other major areas of the Bank to
When applicable, interfaces directly with borrowers to obtain financial information and review financial information directly and assists in review of credit requests
Prepares and updates reports as necessary
Proficient knowledge of commercial lending policies, procedures, practices and documentation
Proficient knowledge and ability to analyze financial statements, tax returns and cash flow
Proficient working knowledge of Microsoft Office (Word, Outlook, Excel)
Proficient working knowledge of other software used for analysis such as MFA and Tax Analysis
Proficient written and verbal communication

Senior Commercial Real Estate Underwriter Resume Examples & Samples

The position works with local and regional Relationship Managers and senior management in discussing underwriting assumptions, market data and valuation estimates. Management of Risk Observation of Internal Controls
Minimum of five years proven and progressive commercial real estate and multi-family underwriting experience in Metro NY and other major national markets or equivalent
Strong communications, analytical, planning and organizational skills. Current knowledge of the local and national real estate industry

Cred Senior Real Estate Underwriter Resume Examples & Samples

May be asked to coach, mentor, or train others and teach coursework as subject matter expert
Advanced analytical and problem solving skills with prior consumer, and commercial lending experience, wide-ranging and in-depth knowledge of industry practices
Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience

Capital Markets Real Estate Underwriter Resume Examples & Samples

Conducts a thorough assessment of a loan's real estate collateral, including site visits if necessary, a thorough market analysis, an assessment of third party reports prepared in the loan diligence process
Prepares the cash flow analysis for income-producing properties, based on historical operating statements, appraisal information, the borrower's pro forma information, and market data for comparable properties
Assesses global sponsor analyses and relationship strategies as prepared by RECB and incorporate in credit memorandum and review credit and background checks
Prepares an assessment of a project's sources and uses of funds
Oversees third party due diligence providers to ensure quality levels are maintained in all deliverables

Commercial Bank Risk-commercial Real Estate Underwriter Resume Examples & Samples

BA/BBA or MBA
Minimum of 2 - 5 years in banking experience which might include credit, structuring and marketing
Excellent reviews and referrals from your current manager and peers

Commercial Real Estate Underwriter Resume Examples & Samples

Presents to various credit committees on current and prospective credits
Reviews industry periodicals, Bank portfolio data and other materials/statistics to build and maintain current knowledge of factors that impact Banks underwriting of MF housing
Perform inspection to address collateral quality and necessary capital expenditures
Manage pipeline of 10-15 loans and ensure proper timeline management and communication to client and senior management
Bachelors Degree or equivalent
MBA Preferred
10+ years work experience as an underwriter or equivalent position working on commercial real estate originations - Office, Retail, Multi-Family
Demonstrated superior leadership, sales, presentation, interpersonal, negotiation and written and verbal communication skills
Full utilization of sales automation tools and related technologies
GSE multifamily underwriting criteria (Fannie Mae, Freddie Mac, and FHA) a plus
Knowledge of commercial banking products and services (both credit and non-credit), Santander Banks Credit Policy and Procedures, competitor product lines and commercial compliance regulations
Proficiency in MS Word, Excel, and Power Point

Commercial Real Estate Underwriter Resume Examples & Samples

Maintenance of credit files including post- closing items (Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)
Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements documents any exceptions to policy and provides related rationale/mitigants
Ability to identify and voice issues

Consumer Real Estate Underwriter Resume Examples & Samples

As a Real Estate Underwriter, directly underwrite residential portfolio mortgage, construction and HELOCs to Bank’s policies, procedures and standards
Possess a basic knowledge of credit analysis for consumer lending. Experience with Dodd Frank Qualified Mortgage and Ability to Repay analysis preferred
Bachelor’s degree (business or Finance preferred)
3+ years of banking, credit underwriting and or lending experience and a basic knowledge of real estate products

Commercial Real Estate Underwriter Resume Examples & Samples

Associate's degree or higher in business, finance or real estate preferred
Some previous underwriting related experience preferred
One or more years of relevant experience in commercial and income property related real estate, appraisal, finance, credit, title, escrow, internal asset review, or lending
Good knowledge of apartments and mobile home parks
Additional knowledge relating to office, retail, industrial, and specialty commercial properties would be desirable
General knowledge of real estate markets within Bank's Lending areas
Ability to evaluate most basic personal and business financial statements and tax returns (work generally performed under supervision of Underwriting Manager)
Ability to evaluate credit

Commercial Credit Real Estate Underwriter Resume Examples & Samples

Works in support of coverage banker to develop target set of companies within markets to enhance proper client selectivity
Able to add value directly to client and coverage in articulating Regions’ underwriting methods, processes and risk appetite for specific debt products
Maintains market knowledge of loan pricing and structural trends to match client needs with Regions’ debt product solutions
Calls jointly on clients with coverage bankers to understand clients’ needs and specific risks to client business
Works with coverage banker to develop client strategy focusing on existing and potential credit exposure. Assists coverage banker in optimizing relationship through cross sell activities of debt products
Leads the credit process on identified debt product opportunities. Ultimately accountable for structuring, underwriting, closing and management of new and existing debt products for clients
Serves as the primary contact with Credit Risk
Oversees ongoing monitoring of existing portfolio by being accountable for periodic assessments and other servicing requirements
Serves as a mentor/coach to team members, specifically Debt Products Associates assigned to managed clients
Demonstrated strong verbal and written communication skills
Ability to coach others
Proven leader with ability to make sound judgments
Ability to negotiate with both internal and external parties

Consumer Real Estate Underwriter Resume Examples & Samples

Effectively communicate with Lenders , Para Lenders and Management concerning approved and declined consumer real estate loans
Insure compliance with all laws, and regulations as they apply to consumer and small business lending
Maintain the privacy and confidentiality of the information obtained in the underwriting and lending process
Strong customer service experience
Working knowledge of common office equipment
College Degree required, Business related field is preferred
Knowledge of Microsoft Outlook, Word & Excel
Effective time management in meeting the bank’s efficiency standards
Ability to maintain focus and concentration in a fast-paced environment
Excellent communication skills (oral and written)
Home Office
Laptop and Tablet
Photocopy and Scanning Machines
Facsimile Machine

Commercial Real Estate Underwriter Resume Examples & Samples

Excellent analytical/credit underwriting skills; ability to analyze rent rolls, commercial real estate leases, property cash flow projections, and personal financial statements of the property owners/Private Bank clients. In addition, a basic understanding of capital markets and its financial instruments
Completion of a credit training program and/or at least 2 – 3 years credit and lending experience in commercial real estate for a nationally known bank or financial institution is preferred
Strong organizational skills and the ability to manage time effectively in a fast paced environment
Strong communication and interpersonal skills, with both a team player attitude and ability to work independently. Ability to negotiate with and influence internal and external clients
Mastery of MS Office Suite, including Word, Excel, Power Point, etc

Commercial Real Estate Underwriter Resume Examples & Samples

Reviews property historical operating statements, Borrower provided and publicly available information for comparison to historical property expenses and current property details/condition to develop historical and pro forma cash flow statements
Reviews appraisals for conformity with initial loan sizing, underwriting and consistency
Reviews Environmental Reports, Property Condition Assessments or Property Inspection Reports to confirm soundness of the collateral property
Analyzes the creditworthiness of potential Borrowers and Guarantors using financial statements/REO Schedules, income tax returns, organizational documents and credit reports including payment histories for existing loans, etc
Partners with Wholesale and Retail Loan Origination Departments to cultivate strong client relationships. Exhibits a sense of urgency towards meeting client requests while also meeting acceptable risk parameters

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