ramys criado

I’m a Senior Underwriter with 7+ years of experience underwriting residential, multifamily, and commercial real estate loans. I focus on evaluating borrower creditworthiness by analyzing complex financials and structuring sound lending decisions that align with regulatory and investor guidelines.

In my current role at JPMorgan Chase & Co / First Republic Bank, I underwrite and manage a $892MM+ portfolio across CRE, multifamily, and C&I lending relationships. I perform detailed credit analysis using cash flow modeling, DSCR calculations, and global cash flow analysis to assess repayment capacity with confidence.

I also strengthen decision-making quality through rigorous documentation review and underwriting support. I validate borrower documentation (financial statements, tax returns, rent rolls, and property-level financials), prepare and review credit memos and risk ratings, and help structure term loans, lines of credit, investment properties, owner-occupied CRE, and construction loans.

Earlier in my career, I built underwriting fundamentals as a Digital Lending Specialist at KeyPoint Credit Union and supported indirect lending and business development at CEFCU. Across roles, I’ve stayed consistent in my emphasis on quality, efficiency, and risk management, including covenant monitoring and collateral valuation to ensure documentation accuracy and sound outcomes.