Multifamily Agency Sr. Loan Asset Manager

Zions Bancorporation•Fort Lauderdale, FL

4h•$150,000 - $175,000•Remote

About The Position

Zions Capital Markets is building a top-tier agency lending and asset management platform as a bank-sponsored dual GSE license holder with Fannie Mae and Freddie Mac. As we scale our multifamily business, we are focused on developing a best-in-class organization grounded in credit discipline, portfolio performance, and client engagement. The Asset Management team is responsible for the ongoing credit oversight and administration of the firm’s agency loan portfolio, from closing through payoff. The group plays a critical role in managing risk, maintaining compliance with agency requirements, and ensuring a high-quality borrower experience. The Multifamily Agency Sr. Loan Asset Manager will take on lead responsibility for complex transactions, portfolio risk management, and credit decision-making within the platform. This individual will serve as a senior resource across the team, providing guidance on structuring borrower requests, interpreting Agency requirements, and managing higher-risk situations. This role is designed for an experienced professional who can exercise independent judgment, approve transactions within delegated authority, and contribute to the broader development of asset management strategy and standards.

Requirements

Bachelor’s degree in finance, real estate, economics, or related discipline
5+ years of relevant experience in commercial real estate asset management, loan servicing, or underwriting, with a strong multifamily focus
Demonstrated experience handling complex GSE servicing transactions and borrower requests
Deep familiarity with Fannie Mae and Freddie Mac asset management frameworks and requirements
Advanced understanding of multifamily credit fundamentals and loan structures, with the ability to assess nuanced risk scenarios
Proven ability to make independent, well-reasoned credit decisions within established guidelines
Strong leadership presence with the ability to mentor team members and influence outcomes across functions
Highly developed analytical capabilities, including financial statement analysis and scenario evaluation
Exceptional written and verbal communication skills, particularly in articulating credit positions and transaction rationale
Ability to manage complex, high-impact situations under time constraints
Strategic mindset with interest in platform growth, process optimization, and long-term portfolio performance
High degree of professionalism, accountability, and sound judgment

Responsibilities

Lead the review, structuring, and approval of complex borrower requests in alignment with loan documents, agency guidelines, and internal risk frameworks
Exercise delegated approval authority on transactions, including escalations from junior team members
Oversee and resolve sophisticated requests such as: Material loan modifications and maturity extensions, Loan assumptions and structured ownership transitions, Significant collateral releases and reconfigurations, Complex lease approvals and third-party agreements, Insurance loss scenarios and capital redeployment
Evaluate credit implications of borrower requests, ensuring consistent application of risk standards and preservation of asset value
Partner with legal, agency representatives, and senior leadership on non-routine or precedent-setting transactions
Maintain active oversight of assigned portfolio segments, with a focus on credit performance, emerging risks, and compliance trends
Work with Subservicers on certain requests and approvals
Identify and proactively manage loans exhibiting performance deterioration or heightened risk characteristics
Lead or contribute to watchlist discussions, asset-level strategies, and resolution planning
Review financial performance, operating trends, and market conditions to support ongoing credit assessments and the risk rating of the portfolio
Ensure adherence to agency requirements, reporting obligations, and internal controls
Serve as a senior point of contact for junior asset managers, providing guidance on consent request considerations and workflow prioritization
Review work product and provide feedback to ensure quality, consistency, and accuracy across the team
Support onboarding and development of team members, contributing to a strong, scalable organizational foundation
Contribute to the design and refinement of processes, approval frameworks, and risk management protocols
Work with manager on drafting appropriate policies and procedures for the team
Partner with leadership on portfolio analytics, performance tracking, and reporting enhancements
Drive improvements in data integrity, technology integration, and operational efficiency
Collaborate across originations, underwriting, capital markets, and servicing/asset management to ensure alignment across the loan lifecycle
Act as a senior liaison with borrowers, sponsors, and key counterparties, particularly in complex or sensitive situations
Provide clear, solutions-oriented communication while maintaining discipline around credit standards and GSE requirements
Build and maintain relationships with agency stakeholders and external partners