Multifamily Agency Originator

Multifamily Agency Originator - Multifamily Agency Lending

Zions Capital Markets is advancing a best-in-class multifamily lending platform as a bank-sponsored dual GSE license holder with Fannie Mae and Freddie Mac. Supported by the strength, relationships, and regional footprint of Zions Bancorporation, the platform delivers a comprehensive range of multifamily financing solutions across agency programs and CMBS executions, with a focus on scalable, client-driven lending strategies

Team Overview

The Origination team is responsible for driving loan production, developing strategic client relationships, and delivering tailored financing solutions across multiple execution channels. The platform emphasizes a relationship-driven approach, disciplined credit standards, and seamless coordination across underwriting, capital markets, and servicing.

Role Summary

This role is designed for an experienced originator with a demonstrated ability to generate consistent deal flow, structure complex transactions, and maintain long-term client relationships. The position is primarily focused on individual production, with close collaboration across the broader bank and capital markets platform.

Key Responsibilities

• Business Development & Origination
• Source and close new multifamily lending opportunities for agency execution
• Leverage existing relationships while actively cultivating new connections with owners, developers, brokers, and financial intermediaries
• Partner with commercial banking teams to drive cross-platform referrals and deepen enterprise client engagement
• Maintain an active pipeline of opportunities and manage transactions through closing
• Structuring & Client Advisory
• Lead borrower discussions to design and negotiate financing solutions that align with client objectives and program requirements
• Structure transactions across multiple capital sources, selecting the optimal execution strategy based on market conditions and asset profile
• Communicate complex financing alternatives in a clear, actionable manner to clients and stakeholders

Market & Product Expertise

• Maintain deep knowledge of Fannie Mae, Freddie Mac, FHA, and broader capital markets offerings
• Stay current on program updates, pricing dynamics, and competitive trends to inform transaction structuring and client advice

Risk & Compliance Alignment

• Ensure all transactions adhere to internal credit standards, regulatory expectations, and agency requirements
• Identify potential risks early in the process and work collaboratively to mitigate or appropriately escalate issues
• Maintain a disciplined approach to documentation, controls, and audit readiness

Platform Collaboration

• Work closely with Underwriting, Capital Markets, Closing, and Servicing teams to ensure efficient and consistent execution
• Contribute to a culture of accountability, collaboration, and high performance
• Support broader strategic initiatives as the platform continues to scale

Qualifications

• Bachelor's degree required (or equivalent combination of education and experience)
• 7+ years of commercial real estate lending or mortgage banking experience, with a strong focus on originations
• Proven track record of successfully sourcing and closing transactions within multifamily or related asset classes
• Experience with agency lending and other institutional capital sources strongly preferred

Core Competencies

• Demonstrated ability to generate business and maintain long-term client relationships
• Strong transaction structuring skills across multiple lending platforms and capital sources
• Excellent communication and negotiation abilities, with the ability to present complex concepts with clarity and confidence
• Sound business judgment and a consistent focus on risk management and execution quality
• High level of organization and ability to manage an active pipeline in a production-driven environment
• Collaborative mindset with the ability to work effectively across multiple internal teams and stakeholders
• Entrepreneurial approach with a focus on growing production and contributing to platform expansion

Location:

This role can be located anywhere in the U.S.

Pay Range (Depending upon relatable skills and experience): $125,000 - 225,000

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
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products