- Lead the underwriting and credit analysis of Manufactured Housing Community (MHC) lending opportunities, including acquisitions, refinances, bridge loans, recapitalizations, expansions, and value-add transactions.
- Analyze borrower financial statements, tax returns, liquidity, net worth, and organizational structures to assess creditworthiness.
- Evaluate MHC collateral through detailed analysis of rent rolls, operating statements, occupancy, and utility reimbursement structures.
- Prepare comprehensive underwriting memoranda and present recommendations to Credit Committee and senior management.
- Partner in the development, implementation, and refinement of underwriting standards, credit policies, and risk-rating methodologies.
- Review underwriting work completed by junior team members to ensure consistency, accuracy, and adherence to company policies.
- Support ongoing portfolio management by reviewing borrower reporting and monitoring covenant compliance.
- Collaborate with Originations, Asset Management, Legal, Construction Risk, and Capital Markets teams.
Financial analysis