Fort Lauderdale, Florida, United States · Remote OK
$150k–$250k/yr
Mid level$2.1B raised
GSE Multifamily Agency Underwriter Zions Capital Markets is the newest bank-sponsored dual license holder with Fannie Mae and Freddie Mac. Backed by the strength and regional reach of Zions Bancorporation, we are establi…
Skills: Multifamily credit analysis, Fannie Mae guidelines, Freddie Mac guidelines, Financial modeling, Risk assessment
Fort Lauderdale, Florida, United States · Remote OK
$150k–$175k/yr
Senior$2.1B raised
Multifamily Agency Sr. Loan Asset Manager (Agency Servicing) Zions Capital Markets is building a top-tier agency lending and asset management platform as a bank-sponsored dual GSE license holder with Fannie Mae and Fredd…
Skills: Multifamily credit, Loan asset management, Agency servicing, Fannie Mae guidelines, Freddie Mac guidelines
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$85k–$125k/yr
Mid level$2.1B raised
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Sign up with Clera and we'll reach out the moment a role actually fits you — no more spraying applications into the void.
$150k–$250k/yr
Full-time
bachelor degree
Medical insurance, Dental insurance, Vision insurance, Life insurance, Disability insurance, Paid paternal leave
Posted 2d ago
~40 hrs/week
Remote in United States
Responsibilities
The GSE Underwriting team is responsible for analyzing, structuring, and approving multifamily transactions in accordance with Fannie Mae and Freddie Mac guidelines. The role involves performing full underwriting diligence, conducting property inspections, and preparing comprehensive credit write-ups to support internal approval processes.
Requirements
Candidates must possess a bachelor's degree and a minimum of 3 years of experience in commercial real estate underwriting with a focus on multifamily properties. Demonstrated ability to independently underwrite agency transactions and strong familiarity with agency lending structures are required.
Full job description
GSE Multifamily Agency Underwriter
Zions Capital Markets is the newest bank-sponsored dual license holder with Fannie Mae and Freddie Mac. Backed by the strength and regional reach of Zions Bancorporation, we are establishing a disciplined, scalable multifamily lending business focused on delivering best-in-class execution to institutional and private real estate clients.
Team Overview
The GSE Underwriting team is responsible for evaluating, structuring, and approving multifamily transactions across both Fannie Mae and Freddie Mac programs. As part of a growing platform, the team is central to defining credit standards, enhancing execution quality, and supporting the firm’s expansion in agency lending.
Role Overview
This position offers the opportunity to work as a core underwriting contributor within a newly formed platform, with meaningful exposure to transaction flow and a voice in shaping underwriting processes, standards, and best practices.
Key Responsibilities
Analyze and structure multifamily agency loan opportunities, ensuring alignment with Fannie Mae and Freddie Mac guidelines
Perform full underwriting diligence, including cash flow analysis, risk assessment, and transaction structuring
Partner closely with originators and capital markets professionals to screen deals and refine execution strategies
Identify potential credit concerns early and develop solutions to mitigate risk and facilitate closing
Apply agency frameworks to develop underwritten operating assumptions, including stabilized income and expense projections
Maintain working knowledge of relevant agency guidelines and updates, incorporating changes into underwriting decisions
Conduct on-site inspections to evaluate property condition, management quality, and local market dynamics
Review and interpret third-party materials such as appraisals, engineering and environmental reports, and other diligence items
Prepare comprehensive and clear credit write-ups to support internal approval processes
Ensure all deal files are complete, organized, and audit-ready
Coordinate with internal teams including asset management, servicing, and closing to support loan performance tracking and portfolio insights
Contribute to the ongoing development of underwriting standards, reporting metrics, and portfolio monitoring tools
Engage regularly with clients, brokers, consultants, and internal stakeholders throughout the transaction lifecycle
Travel as needed to support property reviews and business development efforts
Take on additional responsibilities as the platform evolves
Qualifications
Bachelor’s degree (minimum)
Minimum of 3 years of experience in commercial real estate underwriting with a focus on multifamily
Demonstrated ability to independently underwrite agency transactions (Fannie Mae and/or Freddie Mac), with prior deal volume preferred
Strong familiarity with agency lending structures, guidelines, and execution processes
Skills and Capabilities
Solid foundation in multifamily credit analysis, including sponsorship evaluation, market analysis, and operational performance
Strong analytical mindset with the ability to make informed decisions in time-sensitive environments
Proficiency in financial modeling and interpreting complex datasets
Clear and effective communication skills, both written and verbal, with comfort presenting to senior stakeholders
Ability to operate in a growth-oriented, build-phase environment, demonstrating initiative and ownership
Experience helping develop or refine processes, frameworks, or underwriting standards is a plus
Capable of structuring and executing complex transactions within defined risk parameters
Collaborative approach with a focus on teamwork and cross-functional alignment
High attention to detail, strong organizational skills, and a commitment to continuous improvement
Location:
This role can be located anywhere in the U.S.
Pay Range (Depending upon relatable skills and experience): $150,000 - $250,000
Benefits:
Medical, Dental, and Vision Insurance – START DAY ONE!
Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
401(k) plan with company match and Profit Sharing
Mental health benefits, including coaching and therapy sessions
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with approximately $89 billion of total assets at December 31, 2025, and annual net revenue of $3.4 billion in 2025. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending.
Zions Bancorporation’s common stock is traded on NASDAQ under the symbol ZION. The company is a member of the S&P 400 Mid-Cap and the NASDAQ Financial 100 Indices. The deposit insurance coverage for accounts at Zions Bancorporation, N.A. is the standard FDIC insurance limit for each account ownership category regardless of the Zions Bancorporation, N.A. division holding the account.
Offices: One South Main, Salt Lake City, Utah 84133-1109, US · 1 S Main St, Salt Lake City, UT 84133, US