Michael Payne
Senior Commercial Real Estate Underwriter at American First Credit Union- Claim this Profile
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Bio
LinkedIn User
I've been very fortunate to have had the opportunity to work with Michael at both Impac Commercial Capital and at New Century Mortgage in the commercial mortgage division. He has an in depth understanding of commercial income property underwriting and a very valuable talent of being able to clearly communicate the details of the underwriting guidelines in a way that myself and ultimately clients can understand. He has taught me basic underwriting principles and techniques that I used to qualify and identify good deals that ultimately resulted in a high funding ratio that saved time for myself and the entire operations staff. Michael has played a vital role in my success as a commercial loan officer by helping me focus my attention on bringing in good income commercial income property loan submissions that resulted in a high funding ratio. I believe Michael's extensive knowledge, background and experience in commercial income property underwriting will have a positive affect and he can be a valuable addition to any commercial banking organization. Doug Burchard
LinkedIn User
I've been very fortunate to have had the opportunity to work with Michael at both Impac Commercial Capital and at New Century Mortgage in the commercial mortgage division. He has an in depth understanding of commercial income property underwriting and a very valuable talent of being able to clearly communicate the details of the underwriting guidelines in a way that myself and ultimately clients can understand. He has taught me basic underwriting principles and techniques that I used to qualify and identify good deals that ultimately resulted in a high funding ratio that saved time for myself and the entire operations staff. Michael has played a vital role in my success as a commercial loan officer by helping me focus my attention on bringing in good income commercial income property loan submissions that resulted in a high funding ratio. I believe Michael's extensive knowledge, background and experience in commercial income property underwriting will have a positive affect and he can be a valuable addition to any commercial banking organization. Doug Burchard
LinkedIn User
I've been very fortunate to have had the opportunity to work with Michael at both Impac Commercial Capital and at New Century Mortgage in the commercial mortgage division. He has an in depth understanding of commercial income property underwriting and a very valuable talent of being able to clearly communicate the details of the underwriting guidelines in a way that myself and ultimately clients can understand. He has taught me basic underwriting principles and techniques that I used to qualify and identify good deals that ultimately resulted in a high funding ratio that saved time for myself and the entire operations staff. Michael has played a vital role in my success as a commercial loan officer by helping me focus my attention on bringing in good income commercial income property loan submissions that resulted in a high funding ratio. I believe Michael's extensive knowledge, background and experience in commercial income property underwriting will have a positive affect and he can be a valuable addition to any commercial banking organization. Doug Burchard
LinkedIn User
I've been very fortunate to have had the opportunity to work with Michael at both Impac Commercial Capital and at New Century Mortgage in the commercial mortgage division. He has an in depth understanding of commercial income property underwriting and a very valuable talent of being able to clearly communicate the details of the underwriting guidelines in a way that myself and ultimately clients can understand. He has taught me basic underwriting principles and techniques that I used to qualify and identify good deals that ultimately resulted in a high funding ratio that saved time for myself and the entire operations staff. Michael has played a vital role in my success as a commercial loan officer by helping me focus my attention on bringing in good income commercial income property loan submissions that resulted in a high funding ratio. I believe Michael's extensive knowledge, background and experience in commercial income property underwriting will have a positive affect and he can be a valuable addition to any commercial banking organization. Doug Burchard
Credentials
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Excel: Introduction to Formatting
LinkedInJun, 2020- Nov, 2024 -
PowerPoint: Creating a Self-Running, Interactive Presentation
LinkedInJun, 2020- Nov, 2024
Experience
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American First Credit Union
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United States
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Financial Services
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100 - 200 Employee
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Senior Commercial Real Estate Underwriter
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Mar 2016 - Present
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Kinecta Federal Credit Union
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United States
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Financial Services
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500 - 600 Employee
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Senior Commercial Real Estate Underwriter
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Jun 2014 - Feb 2016
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GBC International Bank
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United States
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Banking
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1 - 100 Employee
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AVP / Commercial Real Estate Loan Processing Manager
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Mar 2013 - Jun 2014
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Conscience VC
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United States
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Venture Capital and Private Equity Principals
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700 & Above Employee
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Commercial Real Estate Underwriter - Self Employed
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May 2011 - Mar 2013
Underwrite commercial real estate loans on a contract basis. Also perform credit analysis and pre-underwriting functions for brokers. Underwrite commercial real estate loans on a contract basis. Also perform credit analysis and pre-underwriting functions for brokers.
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Kinecta Federal Credit Union
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United States
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Financial Services
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500 - 600 Employee
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Contract Underwriter
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2010 - 2013
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Affinity Bank
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Banking
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1 - 100 Employee
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Account Executive
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Oct 2008 - Sep 2009
Manage a portfolio of loans, which include asset based (accounts receivable) and real estate (skilled nursing facilities, assisted living facilities, etc.). Manage a portfolio of loans, which include asset based (accounts receivable) and real estate (skilled nursing facilities, assisted living facilities, etc.).
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EverBank
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United States
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Banking
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700 & Above Employee
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AVP, Sr. Commercial Underwriter
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Sep 2007 - Feb 2008
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Impac Mortgage Corp.
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United States
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Financial Services
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200 - 300 Employee
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AVP - Sr. Commercial Underwriter
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Aug 2005 - Sep 2007
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New Century Mortgage
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United States
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Financial Services
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200 - 300 Employee
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Sr. Commercial Underwriter
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Sep 2003 - Aug 2005
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Education
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University of Southern California
Master of Arts (M.A.), Teaching -
Utah Valley University
Bachelor of Science - BS, Business Administration, Management and Operations -
Snow College
AAS, Business