Curtis Courtney
Big Bear Lake,CA
Summary
Multifamily credit analyst and underwriter with 10+ years of experience evaluating multifamily and commercial real estate loans across banking, agency, and brokerage platforms. Skilled in assessing asset quality, borrower strength, collateral risk, and loan performance for Freddie Mac Small Balance, portfolio, and balance-sheet executions.
Overview
2026
2026
years of professional experience
Work History
Credit Analyst / Underwriter (Freddie Mac SBL)
CADRE Advisors Inc
2023 - Current
- Perform full credit reviews and underwriting analyses for multifamily loans, including affordable and workforce housing assets.
- Review financials, rent rolls, third party reports, and borrower documents for Freddie Mac compliance.
- Evaluate NOI trends, DSCR, LTV, and expense variances to assess credit risk and identify early indicators.
- Prepare complete Freddie Mac packages and collaborate with property managers and internal teams.
Commercial Mortgage Broker
Onyx Capital Advisors Inc
2020 - Current
- Assessed clients' financial data to determine loan suitability.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans.
Credit Analyst / Underwriter (Freddie Mac SBL)
Pinnacle Financial Partners
2021 - 2023
- Analyzed multifamily credit requests, comparing in place performance to underwriting standards.
- Evaluated borrower creditworthiness and global cash flow.
- Modeled property cash flows and debt metrics under Freddie Mac SBL criteria.
- Reviewed appraisals, credit reports, entity docs, and financials for compliance.
Commercial Loan Officer
Provident Bank
2019 - 2020
- Generated and evaluated multifamily and commercial loan opportunities.
- Analyzed rent rolls, operating statements, DSCR, LTV, and borrower financials
Senior Production Analyst
CBRE Capital Markets
2018 - 2019
- Performed underwriting and credit analysis for Freddie Mac SBL transactions.
- Modeled cash flows and assessed risk to determine appropriate leverage levels.
Sr Client Specialist | Commercial Term Lending
JPMorgan Chase
2010 - 2019
- Supported production and underwriting teams with the analyzing of borrower financials and property performance.
- Reviewed third party reports and credit documentation for compliance.
- Assisted in training and mentoring new analysts.
Education
Bachelor of Science - Finance
California State University, Northridge
Northridge05-2013
Skills
- Banking regulations
- Underwriting
- Freddie Mac SBL underwriting compliance
- Market and submarket research
- Financial statement and rent roll evaluation
- DSCR, LTV, NOI, and Cash Flow modeling
- Oral and written communications
- Advanced in excel, CoStar, and REIS
Accomplishments
In 2020 I earned a CA Real Estate Broker license and in 2008 earned CA Real Estate salesperson license.
Timeline
Credit Analyst / Underwriter (Freddie Mac SBL)
CADRE Advisors Inc
2023 - Current
Commercial Mortgage Broker
Onyx Capital Advisors Inc
2020 - Current
Credit Analyst / Underwriter (Freddie Mac SBL)
Pinnacle Financial Partners
2021 - 2023
Commercial Loan Officer
Provident Bank
2019 - 2020
Senior Production Analyst
CBRE Capital Markets
2018 - 2019
Sr Client Specialist | Commercial Term Lending
JPMorgan Chase
2010 - 2019
Bachelor of Science - Finance
California State University, Northridge