Senior Underwriter in the multifamily division for the Central Region, serving 29 total markets in 15 Midwest (US) states. Design and recommend deal structures based on business plan evaluation, preliminary financial analysis and assessment of key risk indicators. Organize deal assignments, perform financial modeling and maintain schedules. Supervise and manage a team of Financial Analysts and Underwriters; mentor and guide employees to make smart financial decisions.Evaluate a variety of multifamily properties involving student housing, housing assistance payment (HAP) contracts, tax credits, tax abatements, tax increment financing, independent living, assisted living, apartment projects with retail office components. Review, research, and negotiate loan structures involving crossed and uncrossed portfolios, roll-up loans, tax-exempt bond with B-piece loans, supplemental loans and structured transactions.Key Highlights:► Underwrote 600+ loans in 29 Midwest markets worth a combined $3 Billion in total assets, including conventional loans, forwards, fixed and variable tax-exempt bonds.► Produced additional loans with clients outside the Central Region including California, Florida, Georgia, New York, Pennsylvania, Colorado and Maryland.► Consistently exceeded annual quota for total loans originated within the Central Region office. ► Earned a performance-based promotion in 2007 to Senior Underwriter and began managing a team of employees.

Extensively analyzed and reviewed commercial loan requests from multiple borrowers on all types of properties including industrial, retail, office and multifamily assets. Performed financial cash flow analysis to determine optimal terms conditions for the prospective loan; made recommendations on the credit risk of a commercial real estate transaction. Prepared, reviewed and presented financing packages to prospective loan recipients. Key Highlights:► Managed workload for five Loan Originators; demonstrated best practices in debt structuring of various loan packages. ► Underwrote and analyzed financial, property and market information to ensure alignment with the companywide preset loan parameters.► Prepared formal loan submissions for lenders and developed a narrative report with specific credible information pertaining to each loan request.

Oversaw and administered all correspondence and reporting for 20 profit centers; prepared monthly financial statements budgets, performed G/L reconciliations and managed fixed assets.Key Highlights:► Filed local, county and state reporting documents in a timely fashion according to state laws.