Walter Bruton
Cedar Hill
Summary
Results-oriented Senior Credit Executive with over 10 years of underwriting and credit oversight. Transforms business strategies to enhance customer experience through strong relationships and analytical skills. Designs and implements solutions to mitigate credit losses while collaborating with executives to address organizational challenges. Drives initiatives to uncover new opportunities and strengthen stakeholder relationships.
Overview
20
20
years of professional experience
Work History
VP Senior Lead CRE Underwriting Manager
Citibank
Dallas, TX
09.2022 - 12.2025
- Spearheaded underwriting and credit policies that reduced delinquency rates by 25%, improving overall portfolio quality and profitability.
- Implemented a new underwriting scoring model, enhancing accuracy in risk assessments and reducing default rates by 20%.
- Developed, optimized, and managed an effective and efficient workflow for the approval process for new money requests. Actively filtered and prioritized loan requests and sought to effectively manage risk while optimizing turn times to improve customer experience.
- Managed loan approvals, reviewed work of less experienced team members, and led discussions with internal partners to ensure alignment and clarity.
- Assessed risk and application details for clients to compare data against standard loan approval and denial structures, minimizing risk and maximizing business returns.
- Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
- Mentored diverse team of junior underwriters and analysts across multiple locations, fostering skill development and knowledge sharing.
- Recommended approval or disapproval of different underwriting requests based on established criteria and guidelines.
- Led initiatives to enhance operational efficiency across business units, driving collaboration and optimizing processes.
- Developed and implemented risk management frameworks to ensure compliance with regulatory standards.
VP Senior CRE Underwriting Manager
Orix Real Estate Capital
Dallas, TX
04.2020 - 09.2022
- Led the effort to manage high-risk loans and coordinated with Region Sales Teams to execute mitigation strategies.
- Administered due diligence of new Fannie Mae & Freddie Mac credit requests, ensuring compliance with policies and guidelines.
- Mentored a diverse team of junior underwriters and analysts spread across multiple locations with varying levels of experience.
- Created monthly projections for upper management, supporting alignment with individual and business goals.
VP Senior CRE Portfolio Manager
JP Morgan Chase
Dallas, TX
04.2012 - 12.2019
- Manage 25+ CRE Fannie Mae client requests with $1.5B in assets through collection, imaging, analysis of property operating financial information, identifying potential credit surveillance reporting, loan modification, assumptions, and investor management
- Developed credit approval and denial recommendations based on financial condition, request nature, and loan value assessment.
- Prepares recommendation in writing and orally presents the credit package before the credit committee
- Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers to determine repayment capacity based on cash flow statements, tax returns, and operating statements
- Reviewed and recommended process improvements to increase productivity, streamline operations, and enhance customer service.
- Coordinated teams in responding to and resolving high-impact incidents and escalations related to product authenticity.
Senior Lead Asset Manager
CoStar Group
Washington, DC
09.2005 - 03.2012
- Supervised team of 6-8 analysts conducting financial analysis of real estate projections, managing $1B in total assets to support companies' earnings assessments
- Monitored national, regional, and local market dynamics to assess tenant credit risks and concentrations, informing strategic decisions
- Optimized research and profile analysis by identifying startups yielding significant returns through weekly audits, enhancing team productivity and performance
- Drove growth of data team’s accuracy score from 73% to 92% in 2 quarters through mentorship of 5 new employees per quarter, achieving the highest company standard
- Ranked at the highest job-performance status for 8 consecutive quarters given 2 quarterly reports per quarter to clients and team members maximizing the impact of the company Risk Management Framework
Education
B.S - Business Administration/Management
Morgan State University
Baltimore, MD12-2004
Skills
- Credit Analysis
- Risk Assessment
- Business Finance
- Client Relationship Management
- Business Relationship Management
- Strategic Leadership
- Audit/Quality Control
- Microsoft Office
- Organizational Skills
- Audit/Quality Control
Timeline
VP Senior Lead CRE Underwriting Manager
Citibank
09.2022 - 12.2025
VP Senior CRE Underwriting Manager
Orix Real Estate Capital
04.2020 - 09.2022
VP Senior CRE Portfolio Manager
JP Morgan Chase
04.2012 - 12.2019
Senior Lead Asset Manager
CoStar Group
09.2005 - 03.2012
B.S - Business Administration/Management
Morgan State University