Chief Credit Officer
Sarah Suther is Chief Credit Officer of Sabal Capital and is responsible for leading the loan credit activities of Sabal’s lending platform in the areas of financial analysis, underwriting, and portfolio management. In addition, she provides guidance to the lending group, underwriters and analysts with respect to the company’s credit policy and compliance with lending regulations.
Sarah joined Sabal in 2010 providing underwriting services on performing, sub-performing and non-performing CRE loans and REO and was an initial member of the PPIP underwriting team for Commercial Real Estate investments. The Public Private Investment Partnership program was established under the U.S. Treasury’s TARP program with 7 selected investors, and Sarah and her team underwrote over $100 billion of CRE assets on behalf of a PPIP investment participant. After the PIPP program ended, Sarah was one of Sabal’s top performers as a Portfolio Leader managing portfolios totaling over $400 million in UPB as well as managing individual assets totaling over $200 million UPB in loans and REO. Since 2013, Sarah led Sabal’s Commercial Advisor’s team in underwriting over $20 billion in CRE debt transactions on behalf of clients and investors.
Sarah brings an extensive background in underwriting and due-diligence of CMBS loan transactions for B-Piece investors and loan origination. She founded “Numbers by Sarah” specializing in on-site due diligence and underwriting services of CRE Loans for CMBS B-Piece investors and approved FDIC loan sellers of failed bank institutions and banks selling loans. Prior to that role, she held a position as Director at Hudson Realty Capital with her roles including origination in the southeast and underwriting for new origination transactions and purchases of loan pools. From 2003 to 2007, she managed and co-developed the CMBS re-underwriting division at Midland Loan Services. Within this time period she was responsible for the underwriting, management and client relations for over $48 Billion UPB. The services included full due diligence of CMBS loan transactions for B-Piece investors, advisory services for private client purchasers of loan pools and individual CRE loans, and annual loan reviews and financial analysis/underwriting to ensure loan compliance. Loans in each CMBS portfolio transaction ranged from $1 million to $700 million UPB. She began her commercial real estate career as an underwriter at Principal Commercial Acceptance, a CRE lender that provided value-add bridge debt, mezzanine financing, land loans and preferred equity.