Multifamily Agency Sr. Loan Asset Manager

Zions Bancorporation; Fort Lauderdale (FL); On-site; USD 120,000 - 170,000; Full time

Benefits offered by this job

Medical, Dental, and Vision – START: 1

Life and Disability Insurance

401(k) with company match and Profit‑S

PTO & 11 holidays

Tuition Reimbursement

Mental health benefits

Career development opportunities

Job summary

Zions Bancorporation is seeking a Multifamily Agency Sr. Loan Asset Manager in Dallas, TX to lead complex agency servicing transactions and manage portfolio risk within a credit‑discipline framework.

You will guide borrower requests, set credit strategies, and partner with legal, agency representatives, and senior leadership to uphold asset value and regulatory compliance. This role emphasizes independent judgment, mentorship of junior staff, and development of asset management standards for a

Qualifications

• Bachelor’s degree in finance, real estate, economics, or related discipline.
• 5+ years of relevant experience in commercial real estate asset management, loan servicing, or underwriting, with a strong multifamily focus.
• Demonstrated experience handling complex GSE servicing transactions and borrower requests.
• Deep familiarity with Fannie Mae and Freddie Mac asset management frameworks and requirements.

Responsibilities

• Transaction Leadership: lead review, structuring, and approval of complex borrower requests per loan documents and agency guidelines.
• Exercise delegated approval authority on transactions and escalate as needed.
• Oversee sophisticated requests such as loan modifications, maturity extensions, and collateral reconfigurations.
• Partner with legal and agency representatives on non-routine transactions.
• Maintain oversight of portfolio segments for credit performance and risk trends.
• Lead watchlist discussions and asset-level strategies.
• Review financial performance, trends, and market conditions to assess credit risk.
• Ensure adherence to agency requirements, reporting obligations, and internal controls.
• Mentor junior asset managers and contribute to a scalable team framework.

Skills

Credit analysis

Independent decision-making

Leadership

Financial statement analysis

Verbal communication

Written communication

Risk management

Strategic thinking

Professionalism

Education

Bachelor’s degree in finance/real estate/economics

Job description

Multifamily Agency Sr. Asset Manager - Dallas, TX

Multifamily Agency Sr. Asset Manager (Agency Servicing)

Zions Capital Markets is building a top-tier agency lending and asset management platform as a bank-sponsored dual GSE license holder with Fannie Mae and Freddie Mac. As we scale our multifamily business, we are focused on developing a best-in-class organization grounded in credit discipline, portfolio performance, and client engagement.

Team Overview:

The Asset Management team is responsible for the ongoing credit oversight and administration of the firm’s agency loan portfolio, from closing through payoff. The group plays a critical role in managing risk, maintaining compliance with agency requirements, and ensuring a high-quality borrower experience.

Role Summary:

The Multifamily Agency Sr. Loan Asset Manager will take on lead responsibility for complex transactions, portfolio risk management, and credit decision-making within the platform. This individual will serve as a senior resource across the team, providing guidance on structuring borrower requests, interpreting Agency requirements, and managing higher-risk situations.

This role is designed for an experienced professional who can exercise independent judgment, approve transactions within delegated authority, and contribute to the broader development of asset management strategy and standards.

Key Responsibilities:

• Transaction Leadership & Credit Oversight
• Lead the review, structuring, and approval of complex borrower requests in alignment with loan documents, agency guidelines, and internal risk frameworks
• Exercise delegated approval authority on transactions, including escalations from junior team members
• Oversee and resolve sophisticated requests such as:
  • Material loan modifications and maturity extensions
  • Loan assumptions and structured ownership transitions
  • Significant collateral releases and reconfigurations
  • Complex lease approvals and third-party agreements
  • Insurance loss scenarios and capital redeployment
  • Evaluate credit implications of borrower requests, ensuring consistent application of risk standards and preservation of asset value
  • Partner with legal, agency representatives, and senior leadership on non-routine or precedent-setting transactions
• Maintain active oversight of assigned portfolio segments, with a focus on credit performance, emerging risks, and compliance trends
• Work with Subservicers on certain requests and approvals
• Identify and proactively manage loans exhibiting performance deterioration or heightened risk characteristics
• Lead or contribute to watchlist discussions, asset-level strategies, and resolution planning
• Review financial performance, operating trends, and market conditions to support ongoing credit assessments and the risk rating of the portfolio
• Ensure adherence to agency requirements, reporting obligations, and internal controls
• Serve as a senior point of contact for junior asset managers, providing guidance on consent request considerations and workflow prioritization
• Review work product and provide feedback to ensure quality, consistency, and accuracy across the team
• Support onboarding and development of team members, contributing to a strong, scalable organizational foundation

Platform Development & Strategic Initiatives:

• Contribute to the design and refinement of processes, approval frameworks, and risk management protocols
• Work with manager on drafting appropriate policies and procedures for the team
• Partner with leadership on portfolio analytics, performance tracking, and reporting enhancements
• Drive improvements in data integrity, technology integration, and operational efficiency
• Collaborate across originations, underwriting, capital markets, and servicing/asset management to ensure alignment across the loan lifecycle

Client & Stakeholder Engagement:

• Act as a senior liaison with borrowers, sponsors, and key counterparties, particularly in complex or sensitive situations
• Provide clear, solutions-oriented communication while maintaining discipline around credit standards and GSE requirements
• Build and maintain relationships with agency stakeholders and external partners

Qualifications:

• Bachelor’s degree in finance, real estate, economics, or related discipline
• 5+ years of relevant experience in commercial real estate asset management, loan servicing, or underwriting, with a strong multifamily focus
• Demonstrated experience handling complex GSE servicing transactions and borrower requests
• Deep familiarity with Fannie Mae and Freddie Mac asset management frameworks and requirements

Core Competencies:

• Advanced understanding of multifamily credit fundamentals and loan structures, with the ability to assess nuanced risk scenarios
• Proven ability to make independent, well-reasoned credit decisions within established guidelines
• Strong leadership presence with the ability to mentor team members and influence outcomes across functions
• Highly developed analytical capabilities, including financial statement analysis and scenario evaluation
• Exceptional written and verbal communication skills, particularly in articulating credit positions and transaction rationale
• Ability to manage complex, high-impact situations under time constraints
• Strategic mindset with interest in platform growth, process optimization, and long-term portfolio performance
• High degree of professionalism, accountability, and sound judgment

Short-term:

remote

Long-term:

in-office

• 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

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

Vectra Bank a division of Zions Bancorporation, N.A. Member FDIC