Multifamily Agency Originator

Zions Bancorporation; El Segundo (CA); On-site; USD 125,000 - 225,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401(k) with match & Profit Sharing

Paid Time Off and Holidays

Paid Training

Job summary

Zions Capital Markets, backed by Zions Bancorporation, is seeking an experienced Multifamily Agency Originator to drive deal flow and structure complex agency transactions for multifamily financing. The role emphasizes owner/developer relationships, broker networks, and collaboration with underwriting, capital markets, and servicing teams across agency programs.

The successful candidate will leverage deep knowledge of Fannie Mae, Freddie Mac, FHA, and other capital sources to deliver

Qualifications

• Bachelor’s degree required (or equivalent combination of education and experience).
• 7+ years of commercial real estate lending or mortgage banking experience, with a strong focus on originations.
• Proven track record of sourcing and closing transactions within multifamily or related asset classes.
• Experience with agency lending and other institutional capital sources strongly preferred.

Responsibilities

• Source and close new multifamily lending opportunities for agency execution.
• Leverage existing relationships while actively cultivating new connections with owners, developers, brokers, and financial intermediaries.
• Partner with commercial banking teams to drive cross-platform referrals and deepen enterprise client engagement.
• Maintain an active pipeline of opportunities and manage transactions through closing.
• Lead borrower discussions to design and negotiate financing solutions that align with client objectives and program requirements.
• Structure transactions across multiple capital sources, selecting the optimal execution strategy based on market conditions and asset profile.

Skills

Business development

Client relationships

Deal structuring

Negotiation

Communication

Education

Bachelor’s degree

Job description

Multifamily Agency Originator – Multifamily Agency Lending

Zions Capital Markets is advancing a best-in-class multifamily lending platform as a bank-sponsored dual GSE license holder with Fannie Mae and Freddie Mac. Supported by the strength, relationships, and regional footprint of Zions Bancorporation, the platform delivers a comprehensive range of multifamily financing solutions across agency programs and CMBS executions, with a focus on scalable, client-driven lending strategies

Team Overview

The Origination team is responsible for driving loan production, developing strategic client relationships, and delivering tailored financing solutions across multiple execution channels. The platform emphasizes a relationship-driven approach, disciplined credit standards, and seamless coordination across underwriting, capital markets, and servicing.

Role Summary

This role is designed for an experienced originator with a demonstrated ability to generate consistent deal flow, structure complex transactions, and maintain long-term client relationships. The position is primarily focused on individual production, with close collaboration across the broader bank and capital markets platform.

Key Responsibilities

• Business Development & Origination
• Source and close new multifamily lending opportunities for agency execution
• Leverage existing relationships while actively cultivating new connections with owners, developers, brokers, and financial intermediaries
• Partner with commercial banking teams to drive cross-platform referrals and deepen enterprise client engagement
• Maintain an active pipeline of opportunities and manage transactions through closing
• Structuring & Client Advisory
• Lead borrower discussions to design and negotiate financing solutions that align with client objectives and program requirements
• Structure transactions across multiple capital sources, selecting the optimal execution strategy based on market conditions and asset profile
• Communicate complex financing alternatives in a clear, actionable manner to clients and stakeholders

Market & Product Expertise

• Maintain deep knowledge of Fannie Mae, Freddie Mac, FHA, and broader capital markets offerings
• Stay current on program updates, pricing dynamics, and competitive trends to inform transaction structuring and client advice

Risk & Compliance Alignment

• Ensure all transactions adhere to internal credit standards, regulatory expectations, and agency requirements
• Identify potential risks early in the process and work collaboratively to mitigate or appropriately elevate issues
• Maintain a disciplined approach to documentation, controls, and audit readiness

Platform Collaboration

• Work closely with Underwriting, Capital Markets, Closing, and Servicing teams to ensure efficient and consistent execution
• Contribute to a culture of accountability, collaboration, and high performance
• Support broader strategic initiatives as the platform continues to scale

Qualifications

• Bachelor’s degree required (or equivalent combination of education and experience)
• 7+ years of commercial real estate lending or mortgage banking experience, with a strong focus on originations
• Proven track record of successfully sourcing and closing transactions within multifamily or related asset classes
• Experience with agency lending and other institutional capital sources strongly preferred

Core Competencies

• Demonstrated ability to generate business and maintain long-term client relationships
• Strong transaction structuring skills across multiple lending platforms and capital sources
• Excellent communication and negotiation abilities, with the ability to present complex concepts with clarity and confidence
• Sound business judgment and a consistent focus on risk management and execution quality
• High level of organization and ability to manage an active pipeline in a production-driven environment
• Collaborative mindset with the ability to work effectively across multiple internal teams and stakeholders
• Entrepreneurial approach with a focus on growing production and contributing to platform expansion

Location

This role can be located anywhere in the U.S.

Pay Range (Depending upon relatable skills and experience)

$125,000 - 225,000

Benefits

• Medical, Dental, and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match and Profit Sharing
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products