Jack Harding
Analyst
Lic. 02141453
Professional Experience
Associated Office
Contact
Current role at CBRE
Jack Harding joined CBRE in 2022 as a Debt & Structured Finance Analyst supporting CBRE’s SoCal Private Client Lending Team. In his third year in commercial finance, Jack’s efforts are focused on loans in process and team marketing initiatives. He works closely with clients, underwriters, and loan officers to understand the needs of the lenders and seamlessly guide clients through to closing.Professional affiliations and education
Jack earned his B.S. in Real Estate Development from the University of Southern California Price School of Public Policy and a Minor in Business Finance from the Marshall School of Business.Prior to joining CBRE, Jack was a Credit Analyst with CoreVest Finance where he underwrote and diligenced permanent loans secured by portfolios of single family and multifamily properties. There, Jack underwrote 30 loans with a total loan amount of $60 million and contributed to underwriting efforts on 40+ loans with a total loan amount in excess of $200 million.
These successes and accomplishments can be attributed to Jack’s diligence, persistence, reliability, attention to detail, and proactive problem solving that he brings each day. This spirit and character translates to a quality of service and execution that The Wilkinson Team’s clients can rely on through market highs, lows, and turmoil.
Jack is a product of Encinitas, CA, a suburb of San Diego, where he spent his summers as a Lifeguard with the Solana Beach Marine Safety Department and volunteered with Homes for Hope, an organization supporting and housing families and orphans from impoverished communities across the border in Tijuana, Mexico.
Jack is an active member of the Urban Land Institute and a licensed Real Estate Salesperson in the State of California (DRE 02141453).
Special Skills
- Property Underwriting
- Loan Underwriting
- Professional Marketing & Communication
Professional Education
- B.S. Real Estate Development – University of Southern California Price School of Public Policy
- Minor: Business Finance - University of Southern California Marshall School of Business
- CA Real Estate Salesperson (DRE 02141453)
SoCal Private Client Lending
Team Capabilities Brochure
Our bottom line is your certainty of execution.
SoCal Private Client Lending specializes in private client and family office lending for all property types. Our number one objective is to provide our clients with actionable loan quotes, that have been well vetted, at terms we know we can close on. To ensure that our clients receive the highest quality representation at the least burden, our team manages all communication with the lender and, with our attention to detail, doing what we can to complete every form or document before it ever reaches a client’s desk.
With access to CBRE’s in house, agency lending facilities and 400+ third party lenders, we canvas the market to ensure we’re finding the best rate and terms for each property and business plan. Our abundant relationships and joint mission with Freddie Mac & Fannie Mae to provide liquidity, stability, and affordability in the housing market allow us to reach every corner of the U.S. Since 2016, when the team joined CBRE, the SoCal Private Client Lending Team has closed over 300 loans for $1.3 Billion in loan fundings across 18 states. In 2021 & 2022 alone, the team provided funding for 4,635 multifamily units nationally. Historically, loans have ranged in size from $1-85 million but the team’s unwavering ambition pushes these numbers to new heights with each year passed.
Executive Vice President, Ryan Wilkinson brings over 20 years of experience in the banking and lending industries. His extensive knowledge of banking and bank regulation, lending, and finance enables him to push hard for client outcomes while mitigating risks for lenders to structure loans that all parties are happy with at the closing table. Lead Analyst, Briana LeMaster, brings over 10 years of experience in banking and commercial finance with Ryan Wilkinson. Her transaction management skills and unparalleled customer service provide consistently smooth & seamless transactions for clients. Jack Harding, Analyst, joined the team in 2022. Jack is a graduate from the University of Southern California who studied Real Estate Development and brings experience in credit underwriting and multifamily brokerage and acquisitions to the team.
Together, with the help of supporting staff and CBRE’s broad platform, Ryan and Briana are able to achieve unmatched outcomes time after time.
With access to CBRE’s in house, agency lending facilities and 400+ third party lenders, we canvas the market to ensure we’re finding the best rate and terms for each property and business plan. Our abundant relationships and joint mission with Freddie Mac & Fannie Mae to provide liquidity, stability, and affordability in the housing market allow us to reach every corner of the U.S. Since 2016, when the team joined CBRE, the SoCal Private Client Lending Team has closed over 300 loans for $1.3 Billion in loan fundings across 18 states. In 2021 & 2022 alone, the team provided funding for 4,635 multifamily units nationally. Historically, loans have ranged in size from $1-85 million but the team’s unwavering ambition pushes these numbers to new heights with each year passed.
Executive Vice President, Ryan Wilkinson brings over 20 years of experience in the banking and lending industries. His extensive knowledge of banking and bank regulation, lending, and finance enables him to push hard for client outcomes while mitigating risks for lenders to structure loans that all parties are happy with at the closing table. Lead Analyst, Briana LeMaster, brings over 10 years of experience in banking and commercial finance with Ryan Wilkinson. Her transaction management skills and unparalleled customer service provide consistently smooth & seamless transactions for clients. Jack Harding, Analyst, joined the team in 2022. Jack is a graduate from the University of Southern California who studied Real Estate Development and brings experience in credit underwriting and multifamily brokerage and acquisitions to the team.
Together, with the help of supporting staff and CBRE’s broad platform, Ryan and Briana are able to achieve unmatched outcomes time after time.
Significant Transactions
Office
Location: Los Angeles, California
Tenancy Type: Single Tenant
Loan Amount: $24.2 Million
Lender Type: Bank
Detail / Description:
Cash-out refinance at 77% LTV. 60-month fixed rate at 5.67% with a 3, 2, 1 stepdown prepay closed August 2023.
Multifamily
Location: Central California
No. of units: 288
Loan Amount: $55.8 Million
Lender Type: Bank – Construction
Detail / Description:
42-month floating rate, construction financing at 70% LTC with 2 12-month extension options closed September 2022.
Location: Central California
No. of units: 288
Loan Amount: $55.8 Million
Lender Type: Bank – Construction
Detail / Description:
42-month floating rate, construction financing at 70% LTC with 2 12-month extension options closed September 2022.
Multifamily
Location: Indianapolis, IN
No. of units: 444
Loan Amount: $13.9 Million
Lender Type: Conventional Agency
Detail / Description:
10-year, interest only, floating rate refinance with cash out closed in December 2022. 1% prepayment penalty after 12 months.
Location: Indianapolis, IN
No. of units: 444
Loan Amount: $13.9 Million
Lender Type: Conventional Agency
Detail / Description:
10-year, interest only, floating rate refinance with cash out closed in December 2022. 1% prepayment penalty after 12 months.
Multifamily
Location: East Los Angeles
No. of units: 20
Loan Amount: $37 Million
Lender Type: Credit Union - Permanent
Detail / Description:
7-year acquisition financing at 3.75% closed in July 2022. 60% LTV and stepdown prepayment (3, 2, 1, 1, 0, 0, 0)
Location: East Los Angeles
No. of units: 20
Loan Amount: $37 Million
Lender Type: Credit Union - Permanent
Detail / Description:
7-year acquisition financing at 3.75% closed in July 2022. 60% LTV and stepdown prepayment (3, 2, 1, 1, 0, 0, 0)
Multifamily
Location: Central California
No. of units: 144
Loan Amount: $22.2 Million
Lender Type: Bank - FHA Insured
Detail / Description:
35-year fixed rate refinance at 4.99% closed March 2023. 76.5 LTV and stepdown prepayment (10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0).
Location: Central California
No. of units: 144
Loan Amount: $22.2 Million
Lender Type: Bank - FHA Insured
Detail / Description:
35-year fixed rate refinance at 4.99% closed March 2023. 76.5 LTV and stepdown prepayment (10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0).
Multifamily
Location: Las Vegas, NV
No. of units: 28
Loan Amount: $2.5 Million
Lender Type: Debt Fund - Bridge
Detail / Description:
3-year, interest only, fixed rate, bridge loan closed in July 2022. No prepayment penalty.
Location: Las Vegas, NV
No. of units: 28
Loan Amount: $2.5 Million
Lender Type: Debt Fund - Bridge
Detail / Description:
3-year, interest only, fixed rate, bridge loan closed in July 2022. No prepayment penalty.
Multifamily
Location: Tempe, AZ
No. of units: 31
Loan Amount: $6.2 Million
Lender Type: Debt Fund - Bridge
Detail / Description:
3-year, interest only, fixed rate, bridge loan with 2 12-month extensions closed in May 2022. No prepayment penalty.
Location: Tempe, AZ
No. of units: 31
Loan Amount: $6.2 Million
Lender Type: Debt Fund - Bridge
Detail / Description:
3-year, interest only, fixed rate, bridge loan with 2 12-month extensions closed in May 2022. No prepayment penalty.
Mixed Use
Location: Los Angeles
Tenancy Type: Multifamily - retail - Office
Loan Amount: $15.0 Million
Lender Type: Bank - Construction
Detail / Description:
7-year bridge to term, mid-construction solution closed at 4.10% in November 2022.
Location: Los Angeles
Tenancy Type: Multifamily - retail - Office
Loan Amount: $15.0 Million
Lender Type: Bank - Construction
Detail / Description:
7-year bridge to term, mid-construction solution closed at 4.10% in November 2022.
Industrial
Location: East Los Angeles
Tenancy Type: Owner Occupied
Loan Amount: $1.9 Million
Lender Type: Bank - Permanent
Detail / Description:
10-year business loan at 3.45% closed in February 2022.
Location: East Los Angeles
Tenancy Type: Owner Occupied
Loan Amount: $1.9 Million
Lender Type: Bank - Permanent
Detail / Description:
10-year business loan at 3.45% closed in February 2022.
Retail
Location: Albuquerque, NM
Tenancy Type: Single Tenant
Loan Amount: $2.0 Million
Lender Type: Credit Union - Permanent
Detail / Description:
10-year acquisition financing at 4.76% closed in September 2022. 65% LTV with no prepayment penalty.
Location: Albuquerque, NM
Tenancy Type: Single Tenant
Loan Amount: $2.0 Million
Lender Type: Credit Union - Permanent
Detail / Description:
10-year acquisition financing at 4.76% closed in September 2022. 65% LTV with no prepayment penalty.
Retail
Location: Albany, OR
Tenancy Type: Restaurant - NNN
Loan Amount: $1.4 Million
Lender Type: Bank - Permanent
Detail / Description:
15-year term, acquisition loan closed at 3.75% in May 2022.
Location: Albany, OR
Tenancy Type: Restaurant - NNN
Loan Amount: $1.4 Million
Lender Type: Bank - Permanent
Detail / Description:
15-year term, acquisition loan closed at 3.75% in May 2022.
Specialty
Location: Central California
Tenancy Type: Theatre
Loan Amount: $6.9 Million
Lender Type: Life Company
Detail / Description:
10-year loan at 3.625% closed in May 2020 for a newly built cinema.
Location: Central California
Tenancy Type: Theatre
Loan Amount: $6.9 Million
Lender Type: Life Company
Detail / Description:
10-year loan at 3.625% closed in May 2020 for a newly built cinema.
Industrial
Location: Tucson, AZ
Tenancy Type: Single Tenant - NNN
Loan Amount: $4.0 Million
Lender Type: Bank - Permanent
Detail / Description:
Detail / Description 18-month term, construction financing at 4.75% closed in March 2021 with no prepayment penalty
Location: Tucson, AZ
Tenancy Type: Single Tenant - NNN
Loan Amount: $4.0 Million
Lender Type: Bank - Permanent
Detail / Description:
Detail / Description 18-month term, construction financing at 4.75% closed in March 2021 with no prepayment penalty
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