Kia Harris
Cedar Hill,TX
Summary
Accomplished finance professional with over 10 years of experience in asset management, financial analysis, underwriting, and risk mitigation. Proven track record managing portfolios exceeding $1.2B, optimizing performance, mitigating credit risk, and ensuring regulatory compliance. Adept at financial modeling, market analysis, and borrower engagement to drive portfolio health and long-term value.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Asset Manager II
Lument Real Estate Capital
Dallas, Texas
10.2020 - Current
- Manage a $1.2B portfolio of Fannie Mae multifamily loans including affordable housing, conventional, and small balance loans ensuring full compliance with servicing contracts, loan covenants, internal credit policies, and federal regulations
- Analyze property operating statements and rent rolls to identify underperforming assets and uncover operational inefficiencies impacting NOI and asset value
- Perform quarterly risk rating reviews and prepare credit watch list memos to monitor risk exposure, flag underperforming assets, and drive strategic asset management decisions
- Collaborate with property managers and borrowers to implement corrective action plans for underperforming assets, resulting in improved occupancy, stabilized cash flow, and enhanced overall portfolio performance
- Evaluate complex loan modification requests including management changes, easements, and structural alterations by conducting in-depth risk assessments and compliance reviews, advising senior executives and investors on approval strategy and credit implications
- Review over 180 property inspection reports annually to assess physical condition, identify deferred maintenance, and verify resolution of outstanding repair items ensuring compliance with loan covenants and preserving asset value
Asset Manager II
KeyBank Real Estate Capital
Overland Park, Kansas
05.2016 - 09.2020
- Managed a portfolio of multifamily affordable housing assets, including LIHTC, Section 8, and tax-exempt bond-financed properties, ensuring compliance with regulatory requirements and investor expectations
- Monitored property performance through financial statement analysis, rent rolls, and operating budgets to identify risks, optimize cash flow, and preserve long-term asset value
- Reviewed and approved annual operating budgets, capital expenditure plans, and reserve draws to ensure alignment with asset strategy and affordability covenants
- Analyzed property inspections to identify physical deficiencies and deferred maintenance; enforced corrective actions to preserve long-term asset performance and protect investor returns
- Led cross-functional efforts with borrowers, legal counsel underwriters, and investors to structure, finalize and execute complex financial transactions
Financial Analyst
KeyBank Real Estate Capital
Overland Park, Kansas
12.2014 - 05.2016
- Monitored financial performance of a multimillion-dollar commercial real estate portfolio including multifamily housing, retail centers, office buildings, industrial facilities, and lodging assets to identify trends, flag underperformance, and support strategic asset management decisions
- Reviewed over 300 quarterly rent rolls and financial statements to evaluate property-level cash flows, debt yield coverage, and occupancy thresholds identifying early signs of underperformance and delivering actionable insights to the credit watchlist committee
- Analyzed property performance concerns and served as a liaison between borrowers, investors, and rating agencies to ensure portfolio transparency, regulatory compliance, and timely resolution of credit issues
- Conduct in-depth analysis of local and national real estate market trends, economic indicators, and demographic data to support investment underwriting, asset strategy, and risk assessment
- Conducted quality control reviews of junior staff’s financial spreads to ensure accuracy, regulatory compliance, and consistency across asset reporting for multifamily and commercial loan portfolios
Underwriter
MetLife
Kansas City, Missouri
02.2011 - 12.2014
- Underwrote group life, dental and disability products by evaluating risk profiles, pricing coverage, and ensuring compliance with underwriting guidelines and regulatory standards using proprietary underwriting platforms
- Delivered strategic underwriting decisions for employer groups ranging from 50 to 5,000 lives, supporting $100M+ in annual premium volume by aligning plan designs with risk appetite and client objectives to support retention and profitable growth
- Priced coverages by analyzing risk factors, claims experience, and market benchmarks; negotiated competitive rates to align with client needs and profitability targets
- Collaborated with Sales teams to deliver tailored underwriting solutions that aligned with client needs and risk profiles, contributing to a 15% increase in client acquisitions
- Earned Core Plus Underwriting designation demonstrating advanced expertise in group benefits underwriting
Underwriter
Farmers Insurance
Olathe, Kansas
08.2008 - 02.2011
- Underwrote property and casualty insurance policies by evaluating risk factors, analyzing claims history, and applying underwriting guidelines to determine eligibility, pricing, and coverage terms
- Utilized proprietary underwriting platforms to assess applications, document decisions, and maintain service-level turnaround times
- Collaborated with agents and cross-functional teams to resolve complex underwriting cases, ensuring alignment with regulatory standards and internal risk guidelines
- Ensured adherence to state insurance regulations and internal audit standards, supporting audit readiness and operational integrity
- Participated in training initiatives and process improvement efforts to enhance underwriting efficiency and consistency
Education
Bachelor of Science - Business Administration
University of Missouri
Columbia, Missouri05.2007
Associate of Arts -
Longview Community College
Lee's Summit, Missouri05.2005
Skills
- Risk assessment and management
- Financial analysis and underwriting
- Asset management strategies
- Effective communication skills
- Problem-solving techniques
Websites
Certification
Real Estate Sales Agent, #800964
Timeline
Asset Manager II
Lument Real Estate Capital
10.2020 - Current
Asset Manager II
KeyBank Real Estate Capital
05.2016 - 09.2020
Financial Analyst
KeyBank Real Estate Capital
12.2014 - 05.2016
Underwriter
MetLife
02.2011 - 12.2014
Underwriter
Farmers Insurance
08.2008 - 02.2011
Bachelor of Science - Business Administration
University of Missouri
Associate of Arts -
Longview Community College