Summary
Overview
Work History
Education
Skills
Timeline
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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
01.2022 - 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
08.2017 - 12.2021
  • 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
12.2016 - 07.2017
  • 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
08.2015 - 12.2016
  • 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, DC
08.2023

Bachelor of Arts - Economics

Emory University
Atlanta, GA
2015

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
01.2022 - Current

Multifamily Underwriter

Freddie Mac
08.2017 - 12.2021

Senior Financial Analyst

Capital One
12.2016 - 07.2017

Portfolio Analyst II

Capital One
08.2015 - 12.2016

Master of Professional Studies - Real Estate

Georgetown University

Bachelor of Arts - Economics

Emory University

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Veronica Rwetsiba