Senior Agency Underwriter - Grandbridge Real Estate Capital

Company: Truist Bank
Location: Atlanta
Posted on: April 2, 2026

Job Description:

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status. Need Help? If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response). Regular or Temporary: Regular Language Fluency: English (Required) Work Shift: 1st shift (United States of America) Please review the following job description: Provide high level multifamily commercial real estate mortgage loan and borrower credit analysis including loan sizing, structuring, underwriting and recommendations to the Credit Risk Management team. Supervise all of the underwriting and due diligence and make well supported recommendations to credit authorities regarding final deal terms and structure. The Senior Agency Underwriter will be highly proficient with Fannie Mae and Freddie Mac (“Agencies”) Guide and Underwriting requirements, is expected to develop expertise in specialized executions and areas such as Affordable Lending, and will be skilled in managing a multidisciplinary team to meet deadlines in a high production environment. ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Lead underwriting teammates in the collection and analysis of data from property owners, borrowers, lenders and third party sources to prepare mortgage loan submissions in compliance with Agency standards for Agency and Truist Credit approvals. Analyze documents including leases, sales contracts, income and expense statements, surveys, borrower financial statements, articles of incorporation, partnership agreements, deeds, easements, environmental reports, property condition reports, appraisals, title policies, deeds of trust, notes, mortgage loan commitments, lender checklists, lender loan program requirements, real estate market reports, comparable sales, capitalization rate and vacancy rates surveys, and specialized documents such as tax abatements, HAP contracts, and affordable due diligence documentation. 2. Manage the due diligence process including maintenance of deal files, organizing and tracking due diligence items, creating and updating checklists, and coordinating with Closing to facilitate funding and delivery. 3. Coordinate property inspections, rendering judgments as to the physical and economic conditions of the property, its immediate area, neighborhood and city, as well as comparable properties. Document findings with presentations including maps and aerials in support of conclusions. 4. Manage, review and interpret all third party reports including property appraisals, physical needs assessments, and environmental reports, confirming their adherence to agency requirements. 5. Analyze the borrower’s legal structure and financial statements in light of property and market circumstances, Agency and Truist requirements. More specifically, perform thorough credit and financial analysis of Borrower Entities, Key Principals, and Principals, assuring that applicable Know Your Customer standards are applied. 6. Ensure credit risk issues are appropriately mitigated and significant concerns are discussed as appropriate with the Deputy Chief Underwriter or Chief Underwriter. 7. Ensure all information reflected in underwriter’s narrative is accurate, that material factors (strengths, weaknesses and mitigants) affecting the transaction are adequately considered and that all credit decisions proposed in the underwriting of the loan are properly supported. Such determinations take into consideration the stability of the NOI, loan structure, property condition, rental market, project history, credit worthiness and relevant experience of the borrower, key principals, principals and sponsors and the overall expectations for refinancing the project at the maturity of the loan. 8. Understand specific Agency Guide requirements, review and stay abreast of the Agency Guide and pricing changes. Train underwriting teammates, addressing deficiencies as necessary and fostering talent and career development 9. Prepare loan submission packages in compliance with Agency Guide and internal requirements. 10. Support the Deputy Chief and Chief Underwriters, exercising a high degree of autonomy in completing all underwriting aspects of the final loan delivery package. Required Qualifications: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Bachelor’s degree in related field or equivalent education and 3-5 years’ experience underwriting agency loans 2. Proficient level of computer skills, including strong abilities with Microsoft products such as Excel, Word, PowerPoint, etc. and their related applications 3. Ability to direct and train junior agency underwriters 4. High attention to detail, highly organized and ability to meet deadlines 5. Ability to simultaneously handle a variety of assignments 6. Excellent written and verbal skills 7. Ability to take initiative with minimal direction 8. Ability to travel, occasionally overnight Preferred Qualifications: 1. Experience in multifamily lending with a strong preference for demonstrated knowledge and experience in specialized programs such as Fannie Mae DUS and Freddie Mac Optigo 2. Strong technical skills in underwriting, structuring, pricing and closing complex multifamily deals Atlanta General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site . Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace. EEO is the Law E-Verify IER Right to Work

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