Jon P. Henry

Clayton, Johnston County, NC *****

ad3lii@r.postjobfree.com

919-***-****

(Remote preferred / willing to relocate)

Seasoned commercial underwriter with over 26 years of experience, formally credit trained, and well versed in the underwriting of Fannie Mae DUS & Freddie Mac multifamily properties, conventional, seniors, students, and affordable housing transactions to include Section 8 vouchers, HAP Contracts, LIHTC, NMTC, and LURA’s for affordable multifamily assets throughout the continental United States.

Armada Analytics, Inc.

7/23 – Present 104 S Main Street, Suite 500, Greenville, SC 29601

Contract Underwriter – Participated in Full Underwriting of 45 Seniors Housing Property Portfolio on behalf of JLL for YE 2023 close. Fully underwritten in 21-days.

Capital Impact Partners – Momentus Capital (Contract Placement by Robert Half International)

10/22 – 6/23 1400 Crystal Spring Drive, Suite 500, Arlington, VA 22202

CDRE Underwriter for LIHTC, NMTC from acquisition and pre-development through built out and stabilization. Multifamily, Office, Retail, Healthcare, Charter Schools, Self-Storage and Industrial Acquisitions and Re-financings /work out.

Sweetwater Capital Real Estate Financial Services, Inc.

5/20 – 9/22 1019 Hay Street, Fayetteville, NC 28305 (remote)

Senior Underwriter – Structure multifamily, student and senior housing transactions placed with Fannie Mae DUS and Freddie Mac Agency Lenders and banks, credit unions and acquisition with value-add bridge lenders alike.

Sabal Capital Partners, LLC (Now Regions Bank)

1/18 – 4/20 4 Park Plaza, Suite 2000, Irvine, CA 92614 (remote)

Senior Underwriter and Co-Manager of the Freddie Mac Targeted Affordable Housing

Express program and underwrote multifamily Small Balance Loan program.

Key Bank Real Estate Capital, (Division of Key Bank National Association)

6/16 – 12/17 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 Senior Housing, Affordable and Student properties.

Nationwide underwritten deal volume at Key is more than $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.

Execute 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, senior housing, SARM (Structured Adjustable-Rate Mortgage) loans, as well as market rate transactions.

Jon P. Henry Page 2

ARBOR Commercial Mortgage 375 Park Avenue, Suite 3401 New York, NY, 10152

5/05 – 7/10 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: (LUMENT) 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

11/87 - 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.

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, PowerPoint, Outlook, and Publishing) and proprietary software programs with each employer including Closer, North Shore, Sage Works, Sales Force, Asana, Moody’s Lending Cloud and Broker Mint.

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