my skillsv1.0.0

Assess borrower strength and property performance to structure optimal loan terms for commercial real estate acquisitions or refinancing. Use DSCR, LTV, and sensitivity analysis to size requests and recommend feasible structures before underwriting.

Manage construction loan draws by validating budgets, reviewing draw packages including invoices and lien releases, and coordinating inspections. Proactively communicate with builders and title to ensure disbursement controls and project timelines are met.

Guide elderly homeowners through reverse mortgage eligibility, payment options, and ongoing obligations. Emphasize compliance, counseling, and clear communication to ensure informed decisions and a high-trust experience.

Compile and analyze financial statements, tax returns, and property operating data to create a comprehensive underwriting package. Normalize income, validate add-backs, and assess sponsor track record to support credit narratives.

Validate construction budgets, contractor bids, and contingencies while reviewing plans and permits for lender requirements. Assess borrower capacity to cover overruns and structure interest reserves and draw schedules aligned to milestones.

Generate revenue by charging origination fees (typically 0.5–2% of loan amount) for originating commercial, construction, and reverse mortgages. Fees are collected at closing and vary based on loan complexity and risk.

Offer fee-based advisory services to borrowers or lenders for structuring complex loans, including sensitivity analysis, budget validation, and compliance guidance. Charge hourly or project-based fees for specialized expertise.

Provide ongoing draw management and compliance monitoring for construction loans or reverse mortgages post-closing. Earn recurring service fees per draw or monthly retainer for ensuring disbursement controls and borrower compliance.