Veronica Rwetsiba
Los Angeles
Summary
Results-driven Senior Underwriter with 10 years of experience in the Commercial Lending industry displaying strong financial and risk assessment skills for real estate transactions.
Overview
9
9
years of professional experience
Work History
Vice President, Senior Underwriter
M&T Realty Capital Corporation
2022.01 - Current
- Prepare 20-30 page detailed narratives analyzing property operations, assessing credit risk, and evaluating financial performance of Key Sponsors all around the nation.
- Ensure compliance with all Freddie Mac/Fannie Mae agency guidelines while consistently meeting tight deadlines in a very fast-paced environment.
- Ability to underwrite 6+ conventional multifamily loans at a time, in various stages, reporting up to the DCU. Often requires less than a week turnarounds after receiving due diligence
- Thoroughly review and and provide feedback on third-party reports, including appraisals, PCA's, environmental reports, seismic, and zoning reports.
- Mentor underwriting analysts, and work closely with producers, closers, and lawyers; fostering a culture of teamwork and collaboration
- Travel roughly 2-3 times a month for property inspections while ensuring compliant lease audits are completed
Multifamily Underwriter
Freddie Mac
2017.08 - 2021.12
- Create and finalize proformas, Income & Expense, and rent roll analysis to ultimately determine final loan proceeds
- Manage 4-8 deals at a time, annually closing $2 Billion of long term debt as a region
- Review and assess borrower's financial position and property operating statements to determine overall evaluation of credit risk
- Train new analysts on various aspects of commercial lending
- Develop and implement process improvements to streamline projects and deals
- Managed and reviewed submitted underwriting package(i.e. Rent rolls, financials, leases, contracts, property management agreements, etc.)
- Calculated debt ratios, NOI, LTV, net worth, liquidity, and monthly payments for accurate loan terms
- Analyzed balance sheets and cash flow statements as well as third-party reports including appraisals, engineering, environmental, and zoning reports
- Meticulously completed credit review of Sponsor/Guarantor/Borrower ensuring KYC compliance
- Prepared investment briefs and asset summary reports (ASRs) to submit for loan approval
- Conducted market research via site visit inspections and online databases such as REIS
Senior Financial Analyst
Capital One
2016.12 - 2017.07
- Maintained detailed financial models and developed analysis around key economic drivers
- Analyzed budgets and projections for accurate reporting of financial standing
- Managed a portfolio of 8 to 10 deals ranging from $1 Million to $100 Million revolving and term loans
- Monitored portfolio accounts ensuring on-going compliance with loan agreements
Portfolio Analyst II
Capital One
2015.08 - 2016.12
- Analyzed financial statements and collateral reports by looking at key trends within financials/BBC trackers
- Tracked financial covenants and confirmed compliance
Education
Master of Professional Studies - Real Estate
Georgetown University
Washington, DC08.2023
Bachelor of Arts - Economics
Emory University
Atlanta, GA2015
Skills
- Credit and Financial Analysis
- Commercial Lending
- Multifamily Agency Underwriting (Fannie Mae & Freddie Mac)
- Ability to produce with tight deadlines
- MS Office(Word, Excel, PowerPoint)
- Real Estate
- Risk Management
Timeline
Vice President, Senior Underwriter
M&T Realty Capital Corporation
2022.01 - Current
Multifamily Underwriter
Freddie Mac
2017.08 - 2021.12
Senior Financial Analyst
Capital One
2016.12 - 2017.07
Portfolio Analyst II
Capital One
2015.08 - 2016.12
Master of Professional Studies - Real Estate
Georgetown University
Bachelor of Arts - Economics
Emory University
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