Scott Komich

About Scott Komich

I’m a commercial real estate professional with 8+ years of experience in multifamily underwriting, asset management, operations analysis and credit risk, with an active focus on self-storage and value-add investing.At Capital One, I manage agency multifamily loans with elevated risk profiles, performing detailed financial, operational, and market analysis to evaluate performance and develop strategies to stabilize and improve assets. My background includes underwriting, valuation, third-party report review, and full-scope due diligence — from rent rolls and financials to property condition and systems.In parallel, I actively source and underwrite self-storage and multifamily acquisition opportunities, focusing on value-add strategies, underserved markets, and creative capital structures. I’m building toward acquiring and operating my own portfolio over time.I’m currently open to acquisitions, debt investment, or operator-aligned roles, as well as select underwriting partnerships.If you’re active in multifamily or self-storage — especially in the Southeast — I’d enjoy connecting.Core Expertise:CRE Underwriting | Multifamily & Self-Storage | Financial Modeling | Valuation | Market Analysis | Due Diligence | Asset Management | Credit & Risk Analysis | Deal Structuring

Experience

1. Senior Agency Asset Manager - Criticized Assets Team

   Capital One

   Aug 2025 — Present · Charlotte, NC, US

   Manage a portfolio of agency multifamily loans with elevated risk profiles, performing asset-level financial, operational, and market analysis to mitigate risk and improve collateral performance.Key Responsibilities:• Manage and monitor a portfolio of multifamily agency loans (Fannie Mae / Freddie Mac) with elevated credit risk, including restructurings, modifications, and asset-level workout strategies• Perform detailed financial modeling and analysis including DSCR, breakeven occupancy, debt yield, and refinance feasibility across a range of markets and property types• Analyze property operations and market conditions, including rent rolls, expense ratios, occupancy trends, and competitive supply dynamics• Partner with borrowers to develop and execute stabilization and value-add strategies to improve asset performance and loan outcomes• Review and interpret third-party reports (appraisals, engineering, environmental, market studies) to assess collateral quality and risk• Prepare credit memos and investment summaries for senior credit leadership and risk committees• Identify and mitigate risks related to interest rate changes, market volatility, and operational performance• Collaborate cross-functionally with credit, legal, and servicing teams to execute loan modifications and resolutions

Education

• Wake Forest University School of Business

  MBA, Business

  2003 — 2005

• Wake Forest University

  BA, Psychology, Minor Sociology

  1992 — 1996

Skills

• Real Estate
• Management
• Risk Management
• Credit Analysis
• Commercial Lending
• Financial Analysis
• Credit
• Financial Modeling
• Investments
• Portfolio Management
• Loans
• Valuation
• Underwriting
• Due Diligence
• Investment Banking
• Commercial Real Estate