SARAH BOLDETSKIY
Arlington Heights
Summary
Commercial real estate credit professional and strong leader with experience underwriting complex transactions across the full credit lifecycle. Brings a Credit Officer mindset with expertise in financial analysis, loan structuring, risk assessment, and deal execution. Highly organized and detail-oriented, with a proven ability to manage competing priorities while delivering accurate, timely results.
Overview
16
16
years of professional experience
Work History
AVP (Credit Underwriter – Commercial Real Estate Bank)
Bank of America
Chicago, IL
05.2021 - 09.2026
- Lead underwriting and credit analysis for complex commercial real estate transactions, evaluating borrower performance, sponsor strength, collateral quality, market dynamics, and repayment capacity.
- Assess client creditworthiness and provide recommendations on credit approval, loan sizing, structuring, and risk mitigation in partnership with Credit Officers and Relationship Managers.
- Manage transactions across the credit lifecycle, including initial screening, financial analysis, due diligence, approval, documentation, and closing.
- Monitor portfolio performance and financial condition to proactively identify emerging risks, trends, and opportunities while ensuring compliance with credit policy and risk guidelines.
- Analyze financial statements, cash flows, property performance, and key credit metrics including DSCR, LTV, debt yield, leverage, and liquidity to support informed credit decisions.
- Lead process improvement and strategic initiatives designed to strengthen underwriting efficiency, risk management, and overall credit execution.
- Redesigned onboarding and training programs to standardize credit processes and accelerate new-hire development across the platform.
- Mentor junior team members on underwriting, credit analysis, compliance requirements, and risk management best practices.
Supervisor (Commercial Real Estate Consulting)
RSM US, LLP (McGladrey) / Continental Lease Advisors
02.2017 - 05.2021
- Led large-scale commercial real estate portfolio due diligence engagements, including lease abstraction and estoppel preparation and review, supporting institutional clients in complex real estate matters.
- Analyzed lease agreements and related documentation to identify financial, contractual, and operational risks, discrepancies, and key obligations across complex CRE portfolios.
- Directed the largest CRE portfolio abstraction project in firm history for a major airline, identifying critical discrepancies and safeguarding client interests.
- Managed client relationships, project pricing, budgets, timelines, and deliverables while coordinating with internal and external legal counsel.
- Led and developed project teams, overseeing work quality, employee performance, and process improvements to ensure accurate and timely execution.
- Developed and implemented training and workflow initiatives to standardize processes, improve efficiency, and strengthen team performance.
Senior Mortgage Processor (Residential Real Estate, Private Bank)
Bank of America
06.2010 - 02.2017
- Specialized in complex jumbo residential purchase transactions.
- Managed loan files through the processing lifecycle, ensuring compliance with underwriting standards, regulatory requirements, and closing deadlines.
- Coordinated appraisals, title, credit, and other third-party documentation to support efficient underwriting, approval, and closing.
- Streamlined documentation and submission processes to improve workflow efficiency, accuracy, and timely deal execution.
Education
Master of Accountancy -
DePaul University
Chicago, IL06-2027
Bachelor of Pre-Law -
Roosevelt University
Chicago, IL05-2015
Skills
- Underwriting & Risk Management
- Contract Management / Third Party Due Diligence
- Legal Report Review
- Regulatory & Policy Compliance
- Project Management
- Coaching & Mentoring
- Client Relationship Building
- Market Intelligence & Analytics
CERTIFICATIONS & CREDENTIALS
CPA Candidate | Illinois
Expected 2028
American Bar Association Paralegal | Roosevelt University
May 2015
Timeline
AVP (Credit Underwriter – Commercial Real Estate Bank)
Bank of America
05.2021 - 09.2026
Supervisor (Commercial Real Estate Consulting)
RSM US, LLP (McGladrey) / Continental Lease Advisors
02.2017 - 05.2021
Senior Mortgage Processor (Residential Real Estate, Private Bank)
Bank of America
06.2010 - 02.2017
Master of Accountancy -
DePaul University
Bachelor of Pre-Law -
Roosevelt University