Agency Underwriter or Senior Agency Underwriter
Core
Perform comprehensive due diligence and underwriting of Fannie Mae and Freddie Mac conventional market-rate multifamily mortgage loans, managing a high-volume pipeline from application through commitment.
Role type
Senior IC commercial mortgage underwriter (multifamily agency)
Builds
Agency multifamily loan commitments for Fannie Mae DUS and Freddie Mac Optigo programs
Domain
Commercial real estate finance / multifamily lending
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work -> client delivery (loan commitments)
Required skills
cash flow analysis, loan sizing, market analysis, borrower/guarantor evaluation, risk assessment, program compliance interpretation, third-party report review (appraisals, environmental, engineering), underwriting narrative preparation
Preferred skills
experience with mobile home/student housing products, familiarity with GSE technology platforms, affordable housing/tax credit program knowledge
Technologies
Microsoft Excel, financial calculators, KeyBank underwriting systems, Fannie Mae/Freddie Mac submission portals
Responsibilities
Independently underwrite high-volume multifamily loans; analyze property financials and rent rolls; evaluate borrower structures and sponsor strength; conduct property inspections and submarket analysis; review third-party reports; interact with GSE representatives; coordinate deal structures with originators; manage internal deal-tracking systems.
Seniority
Senior, hands-on IC