Over time, as you build product muscle on top of the domain knowledge you already have, the role grows from “contribute to these workflows” into “own pieces of the underwriting platform” — defaults, asset classes, the line between what the model decides, what it asks, and what it escalates. 3 or more years in a CRE underwriting, credit, or originations role with real deal reps — whether your title is Underwriter, Credit Analyst, Credit Officer, Acquisitions Associate, or something adjacent.