Real Estate Microsoft Office
Resume:
JON P. HENRY
Parsippany, NJ ***54
*********@*****.***
Seasoned underwriter, formally credit trained, and well versed in the processing, execution of site inspections, financial analysis, and underwriting of Fannie Mae DUS & Freddie Mac for multifamily, seniors housing and student housing properties.
Key Bank Real Estate Capital, (Division of Key Bank National Association)
6/16 – Present 45 Rockefeller Plaza, 33rd Floor, New York, NY 10111
Vice President / Senior Underwriter
20+ years as an experienced Senior Underwriter for both Fannie Mae DUS and Freddie Mac transactions. Including the delivery of the deals to the agencies.
Extensive knowledge of Seniors Housing, Affordable and Student properties.
Nationwide underwritten deal volume at Key is in excess of $200 million.
Ability to carry transaction from application, credit approval, commitment, rate lock and through closing. As well as, transferring transaction through to asset management.
Strong credit analysis in excel spreadsheets and the authoring of underwriting narratives for credit committee.
Familiarity with executing site inspections, as well as, interactions with the borrowers, brokers and all third party vendors.
M&T Realty Capital Corporation, (Division of M&T Bank)
7/10 – 1/16 220 Park Avenue, Suite 220 Florham Park, NJ 07932
Assistant Vice President / Underwriter
Experienced underwriter of Fannie Mae DUS and Freddie Mac - Multifamily Transactions.
Deal volume underwritten in the past couple of years totaled $520 million in 40 transactions with an average deal size of $13 million, including the conversion of a construction to permanent mortgage transaction for $147 million in the North West Quadrant of Washington, DC.
Experienced with affordable housing, student housing, seniors housing, SARM (Structured Adjustable Rate Mortgage) loans, as well as, market rate transactions.
RRML Commercial Mortgage, LLC
10/08 – 7/10 Metromedia Building, 1 Meadowlands Plaza, Suite 803, East Rutherford, NJ 07073
Senior Underwriter/Consultant:
Commercial mortgage underwriter for all property types - office, hotel, church, retail, manufactured housing, construction, and multifamily. Well versed in brokering / placing deals with third party investors and executing all aspects of a transaction from, analysis to closing. Strong emphasis on Financial Credit Analysis.
ARBOR Commercial Mortgage 375 Park Avenue, Suite 3401 New York, NY, 10152
5/05 – 9/08 Senior Underwriter:
Experienced in Fannie Mae, Freddie Mac, and Structured transactions with Mezzanine debt. Affordable housing projects with HAP contracts/LURA, LECO, and LIHTC deals with and without IRP De-couplings.
Underwritten Federal HUD 236 IRP Decoupling - 223(f) - 221(d)(3) & (d)(4), Conventional Loans, and Fixed-Rate Tax-Exempt & Taxable Bonds.
Student housing with and without parental guarantees.
Bank credit trained underwriter with over 10+ years of experience in executing site inspections, lease audits, and property financial analysis (Income and Expenses as well as, Rent Rolls).
Charter Mac Mortgage Capital: (Centerline & Hunt) 101 Hudson St 39th floor, Jersey City, NJ 07302
3/99 – 5/05 Sr. Mortgage Underwriter:
Well versed in the underwriting criteria for Fannie Mae, Freddie Mac, conduit lenders and life insurance companies. With a specialization in low to moderate income housing, seniors housing, bond and tax credit underwriting.
Berkshire Mortgage Finance, Boston, MA (NY Metro Office, Essex County, NJ)
5/97 - 3/99 Regional Underwriter: Authored underwriting narratives, executing nationwide site inspections, for all commercial property types, under Fannie Mae, and conduit lending sources.
Yardville National Bank (Currently PNC Bank), Mercer County, NJ
3/95 - 5/97 Commercial Loan Officer: Relationship manager of a diverse portfolio, analysis of small businesses, corporations and real estate lending, loan structuring and problem loan management, presenter of loan proposals, commitment writing, negotiation, document preparation and attended closings. Formally Credit Trained under a 9-month Management Training Program.
5/93 - 2/95 Assistant to Sr. VP of Credit Administration: co-writer of bank policies and procedures. Supervised commercial loan servicing with a staff of 8-10 people, trained personnel, reviewed all loan documentation and collateral, developer of numerous tracking systems for lending staff.
1/92 - 5/93 Commercial Loan Servicing: Management of all aspects of commercial processing, and servicing.
1/89 - 1/92 Supervisor of Consumer Loan Service: Handling all aspects of consumer loan processing, posting, proving, and reviewing all types of consumer loans. Documentation preparation and review for lines of credit, auto, and home equity loans.
11/87 - 1/89 Deposit Operations: Proof operations, Federal Reserve item processing, and transit encoding, as well as, posting and proving of all types of deposit account transactions.
Education: B. S., Major in Finance, Minor in English – Rider University, Lawrenceville, NJ
Professional Associations:
Mortgage Bankers Association 1999 – present
Who’s Who Award in Business 1995 (Colleague nominated, Sponsored by Cambridge publishing)
Computer Proficiency: Microsoft Office (Word, Excel, Power Point, Outlook and Publishing), Argus
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