Melanie Rosner

About Melanie Rosner

Senior credit risk leader with 14+ years of experience overseeing complex commercial real estate and specialty finance portfolios exceeding $14B in exposure. Proven track record driving disciplined underwriting, portfolio strategy, and governance across Community Finance, Agency Finance, REITs, and subscription credit facilities at Capital One. Recognized for building high-performing teams, strengthening risk frameworks, and implementing control enhancements that improve portfolio quality and decision consistency. Combines deep technical credit expertise with strategic leadership to guide risk-balanced growth, strengthen governance frameworks, and enhance long-term portfolio quality. Known for influencing senior stakeholders, challenging assumptions, and delivering scalable solutions that enhance underwriting rigor, monitoring, and operational efficiency. • Managing portfolio performance by identifying trends, monitoring exposures, and addressing emerging risks• Evaluating borrower strength, collateral quality, and cash flow durability across varied credit scenarios• Collaborating across underwriting, asset management, and production teams to deliver efficient loan outcomes• Overseeing credit underwriting for multifamily, affordable housing, and mission-driven lending assets• Structuring complex financings while balancing client needs, policy standards, and risk tolerance• Reviewing deal structures, covenants, and mitigants to support sound and consistent credit decisions• Leading community and agency finance portfolios with disciplined credit judgment and market insight• Partnering with originators and stakeholders to align growth objectives with prudent credit governance• Guiding transaction execution from origination through approval, closing, and ongoing portfolio review• Mentoring junior professionals while fostering accountability, technical rigor, and client-focused execution• Strengthening credit processes by improving underwriting standards, documentation, and approval discipline

Experience

1. Personal Trainer & Group Fitness Instructor

   Equinox

   Sep 2019 — Present

Education

• Hofstra University

  BBA, Finance and Entrepreneurship, Minor: Math

Skills

• Project Management
• Team Leadership
• Public Speaking
• Financial Analysis
• Social Media
• Microsoft Office
• Community Outreach
• Community Development
• Facebook
• Marketing
• Research
• Customer Service
• At Multitasking
• Process Improvement
• Supervisory Skills
• Advertising
• Community Engagement
• Event Planning