Analyst, Underwriting

We need to output HTML fragment with sections: About the role? The posting includes Summary/Objective, Essential Functions, Qualifications Required, Physical Demands, Education, Preferred, Expectation For All Employees. We need to map to headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Use only those headings if content exists. We need to decide which sections correspond. We have Summary/Objective -> could be About the role. Essential Functions -> Responsibilities. Qualifications Required -> Qualifications (or Requirements). Also there is Education, Preferred, Physical Demands, Expectation For All Employees. Those could be part of Qualifications or Requirements or Skills. Skills: we have list of skills in Qualifications Required (knowledge of MS Office, ability to work independently, organizational, interpersonal, quantitative, writing, communication, time management, attention to detail, writing skills, research, analytical, problem-solving, ability to travel). So we could put Skills section. Benefits, Pay, Schedule: not present, so omit. We must not repeat job title. No metadata like Job ID. We need to preserve all substantive information. So we need to include all details from the posting, organized under appropriate headings. We must not include boilerplate like EEO etc. There's none. We need to use

for section headings. Use

• for any list of duties/requirements/benefits. Use

  for prose. We need to decide what to list as lists. Essential Functions is a long list of duties; we can make each bullet as

• . Similarly Qualifications Required list can be
• . Skills list also
• . Education maybe

  or

• . Physical Demands maybe

  . Preferred maybe

  . Expectation For All Employees maybe

  . We must not create sections with filler like "commensurate with experience". Not relevant. We need to ensure we include all substantive info. Let's extract content. Summary/Objective paragraph: "The Analyst will become familiar with the Fannie Mae and Freddie Mac financing programs being offered by JLL and the required processing and underwriting responsibilities outlined for each program. Further, the Analyst will have the opportunity to be an integral participant in all stages of the underwriting, closing and delivery of a multifamily agency transaction including the initial underwriting sizing of the loan, assessing the quality of the credit information provided, traveling to inspect assets and meet with customers and participate in critical final loan delivery activities. The Analyst must demonstrate attention to detail, an organizational and analytical orientation, an ability to engage with Borrower and Borrower representatives particularly while attending site inspections and possess the initiative to work in an independent and reliable manner." That's prose. Essential Functions: a long list of responsibilities. We'll break into bullet points. Let's parse each sentence separated by line breaks? The text includes many responsibilities separated by line breaks? It's a paragraph with many sentences. We'll split by sentences that start with a capital letter after a period. We'll create bullet for each distinct responsibility. List them: - Responsible for complex financial modeling of multifamily transactions that includes analyzing property operating statements and rent rolls and determining a pro-forma NOI used for Loan determination, to be further reviewed and approved by UW. This includes obtaining and interpreting certain market and comparable data to make informed underwriting decisions, and further includes identifying and communicating questions regarding a property’s financial operations - Review reports completed by third parties, including but not limited to appraisal, physical condition assessments, architectural/cost, market study, environmental, zoning and any other relevant third-party reports for accuracy and compliance with Investor requirements and participate in the preparation of comments and requested revisions from the third party providers - Must be technically proficient in accessing various database systems (both internal and external) available to JLL to obtain, assimilate and interpret certain key data points that influence the underwriting of the loan - Must understand and review real estate documents such as leases, loan document schedule, third party reports, etc. to determine whether additional risks are presented to a transaction - Complete most, if not all, of the various sections of the complex Underwriting model utilized in the financial analysis of a transaction - Author various integral sections of the Underwriter’s narrative, including but not limited to the following: Property Description, Market, Submarket, Management, PNA, Environmental, Appraisal, Waiver Form, if applicable - Review all documentation received from client/borrower for completeness and accuracy. Report any issue of concern to team Underwriter - Will complete site inspections of multifamily assets and submarkets (neighborhoods) to determine acceptability for financing. This includes interpreting neighborhood trends, adequacy of Borrower maintenance practices and that lender expectations are met and consistent with third party conclusions. The Analyst will conduct/lead said inspection that usually involves meeting with and discussing the asset and transaction with key Borrower representatives and management - Offer direction to the team for guide compliance, and assist with underwriting/closing timeline - Work with underwriter and vendors to ensure that all parties have a clear understanding of their responsibilities - Analyze and evaluate borrower ownership structures to ensure that the application meets underwriting guidelines - Regularly communicate loan status updates to underwriting team and originators as appropriate and/or directed by the underwriter - Attend and participate in deal team calls both internally and externally with Borrower representatives - Work closely with closing team to complete any outstanding due diligence that may be required to close the loan - Create and foster relationships with Fannie Mae and Freddie Mac personnel - Look for opportunities to enhance understanding of transactions or processes, take on additional responsibilities of an Underwriter position, and discuss areas where the individual can contribute additional value to the team. Additional duties will be assigned as the individual advances their knowledge level - Review and stay abreast of agency guidelines - Perform other duties requested by management including the CU, DCUs and Underwriters - Participate in training programs to include, but not limited to, underwriting and processing concepts, mortgage credit analysis, commercial appraisal review, and physical capital needs and environmental site assessments - Through the successful execution of all of the duties outlined herein, establish strong working relationships with clients and create high customer satisfaction and retention That's many bullets. Qualifications Required list: - Knowledge of Microsoft office (Word, Excel, Outlook, Teams) with an emphasis on Excel - Willingness and ability to learn new technology - Ability to work independently, unsupervised, and as a team player - Excellent organizational, interpersonal, quantitative, writing and communication skills; able to interface with clients including their top-level executives - Strong time management skill and ability to operate under demanding deadlines - Excellent attention to detail with the ability to audit own work - Strong writing skills with ability to communicate analytical and market data effectively - Strong research, analytical, and problem-solving skills. Ability to analyze qualitative and quantitative information - Ability to travel as needed Physical Demands: - Must be able to physically inspect multiple residences and common areas within an apartment complex, as well as inspect comparable properties within the market. Employee must be able to physically move about the apartment complex, which shall require standing and walking for extended periods of time, and climbing stairs. Inspections may also require the ability to sit, reach, and bend. Travel shall include various modes of travel (including but not limited to planes, trains and automobiles) to different time zones and may require overnight lodging. Education: - Undergraduate degree in a business-related field (i.e. Finance, Accounting, Real Estate, Business) Preferred: - Real estate background (internships, real estate clubs, etc.) - Familiarity with Agency multifamily loan procedures such as Fannie Mae DUS and Freddie Mac loan process Expectation For All Employees: - All employees are expected to support the organization's mission, vision, and values by exhibiting the following behaviors: excellence and competence, collaboration, innovation, respect, personalization, commitment to our community, accountability, teamwork and ownership. Now we need to map to headings. We have: - About the role: Summary/Objective (maybe also include some overview). We'll put that as

  About the role

  then

  ...

  . - Responsibilities: Essential Functions ->

  Responsibilities

  then
  • ... each bullet. - Qualifications: Could be Qualifications Required + Education + Preferred? But we also have Skills section. The instructions: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have Qualifications and Skills separate. Qualifications: maybe include Education, Preferred, Physical Demands? Physical Demands maybe part of Qualifications? But Physical Demands is more about ability to travel/inspect; could be under Requirements. However we have a separate Skills heading for skills list. We need to decide: We have Qualifications Required list (knowledge of MS Office, willingness to learn tech, ability to work independently, etc.) That's qualifications. Also Education and Preferred could be under Qualifications as subpoints? But we need to follow instruction: Use headings only when posting has real, specific content for it. So we can have Qualifications heading and include all qualification-related content: Knowledge of MS Office, willingness to learn new tech, ability to work independently, excellent organizational..., strong time management, excellent attention to detail, strong writing skills, strong research..., ability to travel as needed, Undergraduate degree..., Real estate background..., Familiarity with Agency multifamily loan procedures..., Physical Demands? Physical Demands is more about ability to travel/inspect; could be considered a qualification but it's a physical requirement. Might be better under Requirements? But we don't have a Requirements heading separate from Qualifications? Actually we have both Requirements and Qualifications as possible headings. The instruction list includes Requirements and Qualifications as separate. So we can split: Requirements could include Physical Demands and maybe Ability to travel? But Ability to travel is also in Qualifications Required list. Hmm. We could treat: - Requirements: Physical Demands (maybe also Ability to travel as needed). But Ability to travel is also in Qualifications Required list; but we could keep it there. - Qualifications: Knowledge of MS Office, willingness to learn new tech, ability to work independently, excellent organizational..., strong time management, excellent attention to detail, strong writing skills, strong research..., Undergraduate degree..., Real estate background..., Familiarity with Agency multifamily loan procedures... - Skills: maybe we could list the specific skill items like organizational, interpersonal, quantitative, writing, communication, time management, attention to detail, writing skills, research, analytical, problem-solving. But that overlaps with Qualifications. However we need to avoid duplication. The instruction says preserve ALL substantive information; do NOT invent or summarize away detail. So we need to include all info, but we can organize them under headings without duplication. If we put same bullet under two headings, that's duplication. So we need to decide a non-overlapping categorization. Better approach: Use headings as they map to content: - About the role: Summary/Objective. - Responsibilities: Essential Functions. - Requirements: Physical Demands (maybe also Ability to travel as needed). But Ability to travel is also in Qualifications Required list; but we could treat Ability to travel as part of Requirements (since it's a requirement). However the Qualifications Required list includes "Ability to travel as needed". That's a requirement. So we could put that under Requirements. - Qualifications: Knowledge of MS Office, willingness to learn new tech, ability to work independently, unsupervised, and as a team player, excellent organizational..., strong time management..., excellent attention to detail..., strong writing skills..., strong research..., analytical..., problem-solving..., Ability to analyze qualitative and quantitative information (that's part of strong research...), Undergraduate degree..., Real estate background..., Familiarity with Agency multifamily loan procedures... - Skills: maybe we could list the specific skill items that are not already covered? But many are overlapping. Perhaps we can treat Skills as the list of soft skills: organizational, interpersonal, quantitative, writing, communication, time management, attention to detail, writing skills, research, analytical, problem-solving. But those are already in Qualifications. However we could avoid duplication by not listing