Overview Purpose and Job Summary: Reporting to a Deputy Chief Underwriter, the Director is responsible for reviewing, inspecting, and underwriting multifamily agency loan applications, primarily for Freddie Mac and Fannie Mae conventional loan programs. The Associate Director will make informed recommendations to the Chief Credit Officer as well as provide guidance and assistance on agency loan assumptions, as needed. Responsibilities Prepares loan analyses and narratives consistent with Fannie Mae and Freddie Mac requirements. Demonstrates ability to prepare and deliver Freddie Mac CME submissions. Summarizes historical property operations. Performs credit and financial analysis of key sponsors. Reviews and approves third party reports including property appraisals, physical needs assessments, environmental reports, and zoning reports. Considerable travel involved to perform property inspections and market evaluations. When requested by the DCU, review loan screening packages from producers to ensure transaction terms are consistent with OREC, Fannie Mae and Freddie Mac requirements. Keeps up with industry trends and products offered by competitors. Performs other duties and projects as assigned. Mentors junior underwriters and underwriting analysts. Expected to underwrite more complex and nuanced transactions. Work professionally and harmoniously with team and coworkers, including delegating, as appropriate, aforementioned tasks to Underwriting Analysts. Travel Requirements – 50%. Other projects and duties as assigned. Education, Skills and Experience Bachelor’s degree in Accounting, Finance, Economics, Real Estate, or other related fields from an accredited college/university. Results driven achiever with exemplary planning and organizational skills, along with high degree of detail orientation. Resourceful team player who builds trusting relationships with clients and colleagues. Proficiency in Microsoft Office and list other relevant systems or software. Excellent organizational, communication, presentation, and interpersonal skills. Ability to plan, organize, and prioritize assignments, and to meet critical and established deadlines; Ability to manage multiple assignments and transactions simultaneously. Demonstrated ability to maintain confidentiality and to use discretion in the performance of daily activities. Ability to learn quickly and demonstrated ability to work independently and as part of a high-performance team. Required Minimum 10 years of experience in multifamily agency underwriting. Ability to read, analyze, and interpret complex legal documents and financial statements. Highly analytical thinking with demonstrated talent for identifying, scrutinizing, improving, and streamlining complex work processes. Preferred Preferably 2-3 years of recent experience in with Freddie Mac CME underwriting submissions. Working knowledge and understanding of Fannie Mae DUS and Freddie Mac CME multifamily loan programs and underwriting requirements. Ability to interact and effectively communicate with internal and external customers, including loan analysts, senior management, borrowers, and vendors. Flexibility and ability to work under pressure with tight deadlines and constant interruptions; Ability to adjust priorities in a changing environment. Compensation and Benefits Annual base salary gross: $170,000 - $210,000 (IL only). The base salary range represents the estimated low and high end of the ORIX USA’s salary for this position. Actual base salaries will vary and will be based on various factors, such as candidate’s qualifications, skills, competencies and proficiency for the role. The base pay is one component of ORIX USA’s total compensation package for employees. Other rewards and benefits include cash bonuses, long term incentives, health insurance, accident and life insurance, and retirement benefits. Please visit our Benefits page for additional information. Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.

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