Experienced Senior Credit Underwriter with expertise in fix-and-flip projects, new construction, ground-up developments, DSCR, commercial real estate transactions, bridge loans, risk assessment, and regulatory compliance. Demonstrated ability to independently evaluate credit requests, create comprehensive loan presentations, and drive process improvements.Key Responsibilities:- Conducted in-depth financial analyses to assess borrower eligibility for various lending solutions and provided recommendations to enhance decision-making processes.- Prepared detailed loan presentations and credit write-ups, and presented findings to Credit Committees.- Managed communication and negotiations with clients, attorneys, accountants, appraisers, and brokers to ensure smooth loan processing and closing.- Provided post-funding analytical support, including impairment analysis and annual reviews.- Mentored junior underwriters to enhance team productivity and maintain high-quality work standards.- Engaged with clients to understand financial goals and guide them toward suitable lending solutions.- Ensured regulatory compliance and developed departmental procedures to align with industry trends and organizational policies.Qualifications:- Over 12 years in business, with 8 years in commercial real estate lending and at least 5 years in management roles.- Comprehensive knowledge of single-family residences (SFRs), multi-family properties (MF), mixed-use properties (MU), and ground-up developments underwriting, property financial analysis, borrower credit, appraisals, title report reviews, and market analyses.- Strong credit and financial analysis skills, demonstrated through detailed underwriting and structuring of loan applications in line with the lending programs.- Excellent written and verbal communication skills, essential for advising team members and managing client negotiations to retain and refinance the loans.- Extensive experience in risk assessment, mitigation, and ensuring compliance with regulatory guidelines.- Proficient in Microsoft Office Suite, Loan Origination Software, and AML-Lexis Nexis. Intermediate to advanced skills in Excel and familiarity with Salesforce.