Term Lending Underwriter

Sabal Financial Group is a diversified financial services firm specialized in banking and real estate.

Evaluate the credit worthiness and management capabilities of the borrower/guarantor, the real estate collateral securing the proposed loan, and adequacy of the loan structure for transactions and or relationships. You will analyze the underlying property, the surrounding market and demographic area as well as the financial strength and experience of the borrower/guarantor. Your role will be responsible for all aspects of a proposed loan from the time the borrower executes the term sheet through closing.

• Underwrite term loans on commercial real estate properties nationwide.
• Work closely with senior underwriter and head of credit in underwriting, sizing and pricing loans.
• Prepare detailed analyses of historical property operations to make informed decisions about future performance.
• Conduct extensive market research including in person and/or phone interviews and site visits as appropriate to thoroughly understand market conditions/dynamics, and demand drivers for subject property.
• Conduct in-depth review of sponsor/guarantor financials, including balance sheets, income statements, tax returns and real estate schedules to determine ability to support guarantees.
• Prepare preliminary and final approval memo packages for presentation to Loan Committee
• Follow-up with clients to obtain all necessary information and to clarify any financial and/or property specific information.
• Actively interact with Sabal lending personnel to insure timely analysis and closing of proposed loans.
• Actively interact with multiple internal and external parties involved in the lending process, including originators, brokers, sponsors, third party report providers, counsel, credit officers, and closing personnel.
• Maintain a current and comprehensive knowledge of Sabal Investment Guidelines.
• Maintain a current and comprehensive knowledge of the factors influencing commercial real estate in the markets where Sabal is actively lending /investing.

• Minimum 5-7 years of commercial real estate lending and/or equity investment experience with a bank, brokerage firm, insurance company, pension fund or private equity firm.
• Experience in one or more asset types: office, retail, industrial/warehouse, multifamily and self-storage.
• Multi asset experience is a plus.
• Experience reviewing and analyzing third party reports, including appraisals, and environmental, engineering and seismic studies.
• A bachelor's degree is required. An MBA or Masters in Real Estate is a plus.
• Strong analytical skills with advanced proficiency in Excel, Argus, Word and PowerPoint.
• Ability to communicate ideas (written and verbally) both clearly and concisely.
• Ability to work independently and responsibly with little supervision or instruction, but also a team player.
• Attention to detail, prioritization skills, responsiveness and ability to meet tight deadlines are essential.