Mathew Serna

About Mathew Serna

Objectives include gaining further knowledge and leadership skills by utilizing my education qualifications, along with my experiences in the relative fields, excel in customer relations, interact and share with team members and colleagues.

Experience

1. Underwriting Analyst

   Rose Community Capital

   Dec 2023 — Present

   Utilizes HUD application documents and other Company information, as available, and analyzes credit documentation to determine ownership structure, credit worthiness as it relates to the subject as well as consider capacity issues, and other risks/mitigants.•Understands the analysis required of LIHTC investors in affordable transactions as well as how to analyze non-profit financial statements and review non-profit executives and boards.•Completes the Underwriter’s Narrative and required forms which identify relevant risks and mitigants pursuant to agency guidelines.•Manages all components of net operating income (rents, expenses, vacancy, etc.), proposed cost estimates and anticipated lease-up, as applicable.•Maintains working knowledge of affordable housing programs including LIHTC, HOME, RAD, HAP contracts and vouchers, and ability to research and understand other federal and state programs and apply appropriately to FHA MAP lending guidelines.•Understands and applies guidelines related to tax abatement programs and ground leases typical in the affordable housing arena.•Reviews Market Studies and other data derived from other research and source material gathered directly via in-market visits to ensure sufficient demand and supportable rents for the purpose of projecting net operating income, lease-up pace and also for determining unrestricted market rents in accordance with program guidelines.•Creates sizing tools, standard templates and other materials to promote the program to the public in conjunction with the Managing Director.•Understands the use of LIHTC equity, tax-exempt bond financing, and subordinate financing in the context of FHA financing and apply appropriate FHA guidelines to the transaction throughout the process.•Works with borrowers, and internal and external partners to determine equity structuring requirements, bridge financing needs, and acceptable subordinate debt terms, as applicable.

Education

• California State University, Fullerton

  Business Administration, Managment

  2008 — 2010

Skills

• Microsoft Office
• Sales
• Microsoft Word
• Customer Service
• Powerpoint
• Microsoft Excel
• Financial Analysis
• Customer Satisfaction
• Public Speaking
• Leadership
• Management
• Marketing
• Negotiation
• Time Management
• Call Centers
• Social Networking