Fayyaz Muhammad

Senior Commercial Underwriter - Renewable Energy & Real Estate @Live Oak Bank

NC, US

Currently leading the underwriting and execution of complex financing transactions across renewable energy and hospitality sectors, with project sizes ranging from small-scale to mid-sized deals throughout the United States.Key Responsibilities:Prepare comprehensive credit presentations for construction and acquisition loans, incorporating detailed financial and qualitative analysis, and presenting recommendations to the board and loan committee.Lead legal due diligence efforts, coordinating with attorneys and approving final loan documentation.Manage technical due diligence with Independent Engineers to ensure project feasibility and compliance.Analyze financial data—including tax returns, financial statements, and projections—for companies such as developers, contractors, and off-takers, as well as for individuals, to assess creditworthiness and risk.Evaluate non-financial factors such as management experience, collateral location, demand drivers, technology specifications, and market trends.Monitor and interpret industry developments to align credit policy with current market dynamics, providing strategic recommendations.Support loan syndication efforts to optimize portfolio liquidity.Maintain and grow relationships with borrowers to understand their evolving needs and generate repeat business opportunities.

Certified Commercial Investment Member Institute

CCIM, Real Estate Analysis

Association of Chartered Certified Accountant

FCCA-UK, Accounts & Finance

Karachi University

Bachelor's Degree, Accounting and Finance

Oxford Brookes University

BSc. Honors, Accounting