Nicholas Deluca
Senior Lead Commercial Real Estate Underwriter @Wells Fargo
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WORK HISTORY
Senior Lead Commercial Real Estate Underwriter @Wells Fargo
New York, NY, US
Lead underwriting and credit approval for complex commercial real estate transactions, including acquisition, refinance, construction, and repositioning deals.Analyze sponsor financial strength, global cash flow, guarantor support, and market dynamics to determine creditworthiness.Structure loans with appropriate covenants, reserves, and mitigants aligned with institutional risk appetite.Prepare and present comprehensive credit memoranda for senior credit officers and loan committeesServe as a subject-matter expert for CRE credit policy interpretation and application.Partner closely with relationship managers to support deal execution while maintaining underwriting discipline.Review and approve underwriting completed by junior and mid-level analysts; provide coaching and technical guidance.Monitor portfolio performance, identify emerging risks, and recommend proactive credit actions.
SKILLS
ABOUT NICHOLAS DELUCA
Senior Lead Commercial Real Estate Underwriter with deep experience evaluating, structuring, and approving complex CRE transactions across multiple asset classes. Proven ability to balance risk discipline with business growth while supporting relationship managers, credit committees, and executive stakeholders.Expertise includes full-cycle underwriting for income-producing and construction assets, sponsor analysis, cash flow modeling, stress testing, and credit memo authorship for large-balance transactions. Known for sound judgment, clear communication, and the ability to navigate challenging credit scenarios while protecting portfolio quality.Trusted partner to origination teams and credit leadership, with a strong track record of mentoring junior underwriters and improving underwriting consistency, efficiency, and policy adherence.Core focus areas:Commercial Real Estate Credit • Risk Assessment • Deal Structuring • Portfolio Management • Credit Committee Presentations • Policy & Compliance • Leadership & Mentorship
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