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Job Description
As a valued colleague on our team, you will lead and contribute to complex multifamily mortgage fraud investigations by applying multifamily underwriting expertise, forensic underwriting analysis, and knowledge of multifamily mortgage fraud schemes. In this role, you will assess allegations involving the origination, processing, underwriting, sale, servicing, and disposition of multifamily loans or REO properties; conduct targeted research; prepare well-supported investigative reports and files; and present findings to key stakeholders and senior management.
THE IMPACT YOU WILL MAKE
The Multifamily Underwriting Fraud Investigation - Lead Associate role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities:

• Perform forensic underwriting reviews of complex multifamily loan files to identify potential fraud, misrepresentation, data integrity concerns, and other issues relevant to mortgage fraud determinations.
• Plan, conduct, and document inquiries into allegations of multifamily mortgage fraud, including matters involving loan origination, processing, underwriting, sale, servicing, and REO activity.
• Analyze borrower and sponsor information, property performance, valuation support, rent rolls, operating statements, third-party reports and inspections, and other relevant documentation to assess fraud indicators and materiality.
• Conduct research using internal systems, public records, third-party data, and other available sources to support evidence-based fraud determinations.
• Prepare clear, accurate, and well-supported investigative reports, case summaries, statistical data, and files in accordance with established policies, procedures, and regulatory expectations.
• Present investigative findings, conclusions, and recommendations to stakeholders and senior management.
• Serve as a subject matter expert for internal stakeholders on multifamily fraud investigations, fraud detection, emerging schemes, investigative methods, and fraud trends.
• Apply knowledge of Fannie Mae multifamily underwriting standards and systems to evaluate underwriting information, loan-file representations, and potential fraud concerns.
• Lead collaboration, knowledge-sharing, and training efforts across Financial Crimes, Multifamily, and enterprise partners, building strong relationships to support timely escalation, fraud-risk awareness, and consistent investigative outcomes.

THE EXPERIENCE YOU BRING TO THE TEAM
Minimum Required Experience

• 4 years of relevant multifamily underwriting experience
• Demonstrated ability to perform financial, credit, property, and trend analysis and communicate findings clearly to business, risk, and senior-level audiences.
• Experience assessing credit risk, underwriting quality, documentation integrity, fraud indicators, or related risk management issues in multifamily or commercial real estate lending.
• Strong analytical skills, including the ability to identify inconsistencies, red flags, and potential misrepresentations in complex loan files.
• Strong written and verbal communication skills
• Experience with GSE lending, multifamily finance, mortgage banking, financial crimes, fraud investigations, or related risk functions.
• Ability to conduct research across internal systems, public records, and third-party sources to support investigative conclusions and fraud determinations.
• Proficiency with Microsoft Excel and the ability to organize, analyze, and summarize investigative data.
• Demonstrate curiosity and adaptability by learning and responsibly applying new techniques, including artificial intelligence, to reimagine how we work.

Desired Experience

• Bachelor's degree or equivalent
• Prior Fannie Mae multifamily underwriting experience at the analyst and/or underwriter level, including familiarity with Fannie Mae systems, policies, processes, and the Multifamily Selling and Servicing Guide.
• Understanding of common multifamily mortgage fraud schemes, red flags, documentation manipulation, valuation issues, or other fraud typologies.
• Experience preparing investigative reports, narratives, or other formal documentation used to support risk, regulatory, legal, or enforcement actions.
• Ability to work independently, manage complex cases, prioritize competing deadlines, and influence outcomes across cross-functional teams.

Multifamily Risk - Underwriting - Lead Associate
#LI-NL1 - Hybrid
Qualifications
Education:
Bachelor's Level Degree (Required)
The future is what you make it to be. Discover compelling opportunities at Fanniemae.com/careers.
For most roles, employees are expected to work onsite on a regular basis at their designated office location. In-office work cadence is determined by your manager. Proximity within a reasonable commute to your designated office location is preferred unless the job is noted as open to remote.
Fannie Mae is an equal opportunity employer and considers qualified applicants for employment without regard to race, color, religion, sex, national origin, disability, age, sexual orientation, gender identity/gender expression, marital or parental status, or any other protected factor. Fannie Mae is committed to providing reasonable accommodations to qualified individuals with disabilities who are employees or applicants for employment, unless to do so would cause undue hardship to the company. If you need assistance using our online system and/or you need a reasonable accommodation related to the hiring/application process, please complete this form.
The hiring range for this role is set forth below. Final salaries will generally vary within that range based on factors that include but are not limited to, skill set, depth of experience, certifications, and other relevant qualifications. This position is eligible to participate in a Fannie Mae incentive program (subject to the terms of the program). As part of our comprehensive benefits package, Fannie Mae offers a broad range of Health, Life, Voluntary Lifestyle, and other benefits and perks that enhance an employee's physical, mental, emotional, and financial well-being. See more here.
Requisition compensation:
109000
to
142000