Underwriting Analyst, Agency

About Arbor Realty Trust

Arbor Realty Trust (NYSE: ABR) is a leading commercial real estate lender and real estate investment trust (REIT), consistently ranked among the top multifamily and agency loan producers nationwide. With a diversified platform spanning agency, bridge, structured, and private-label lending, Arbor manages billions of dollars in transactions that shape the housing and commercial real estate markets across the U.S.

As a publicly traded company with an entrepreneurial culture, Arbor offers the best of both worlds: the stability of a strong balance sheet and national reputation, combined with the agility of a fast-paced finance shop. Our teams work at the forefront of multifamily and commercial real estate finance, providing employees with hands-on deal exposure, career growth opportunities, and direct impact on the markets we serve.

Why Join Arbor?

• Be part of a leading commercial real estate finance company with a national reputation and strong growth trajectory
• Gain hands-on exposure to high-impact deals across multifamily, structured, bridge, and agency lending
• Build your career with clear opportunities for advancement, professional development, and mentorship
• Collaborate with experienced teams in a fast-paced, entrepreneurial environment backed by the stability of a publicly traded REIT

Your Role

As an Underwriting Analyst on Arbor's Agency team, you will work alongside senior underwriters to evaluate multifamily loans under Fannie Mae and Freddie Mac programs. You'll gain direct experience with the full underwriting process, from reviewing borrower and property financials to drafting credit packages and supporting Loan Committee presentations.

What You'll Do

• Collect and reconcile loan application documents and financial exhibits
• Order and review appraisals, inspections, and environmental reports for compliance
• Assist in underwriting multifamily loans to Fannie Mae and Freddie Mac standards
• Prepare underwriting narratives and loan worksheets for Loan Committee
• Analyze operating statements and appraisals to formulate Net Operating Income (NOI)
• Conduct property and market inspections to evaluate conditions and trends
• Collaborate with originators, underwriters, and GSE representatives

What You Bring

• Bachelor's degree in Finance, Economics, Real Estate, or related field
• 1+ years of experience in multifamily loan processing, analysis, or underwriting
• Proficiency in Microsoft Excel and Office
• Strong analytical, organizational, and communication skills
• Ability to work in a fast-paced environment and manage multiple priorities
• Travel: Limited (site inspections as needed)

Compensation & Benefits

• Base Salary Range: $65,000 - $75,000, plus discretionary performance-based bonus
• Benefits: Comprehensive health coverage, 401(k) with match, paid time off, and more
• Career Growth: Clear path into senior underwriting or originations

Inclusion at Arbor

We are proud to be an equal opportunity employer committed to maintaining a diverse workforce and inclusive environment. We welcome candidates of all backgrounds and experiences and provide reasonable accommodations to individuals with disabilities.