Beto is the Director, Loan Underwriting in our Chicago, IL office, managing the team that underwrites loans for Cinnaire Lending. Beto oversees underwriting for all affordable housing and community development loan transactions, ensuring loans move efficiently and borrowers receive appropriate technical assistance during the underwriting process as needed. He trains and coaches underwriting staff and maintain underwriting standards consistent with the CDFI industry.

Beto joined Cinnaire as an Underwriter in December 2014 and was promoted to Senior Underwriter in March 2022. In addition to being a highly skilled underwriter, he manages the AHP program for Cinnaire and has developed trusting relationships with the business development team and the Federal Home Loan Bank of Chicago that enhance Cinnaire’s reputation. He  was recognized by the FHLBC through their Community First Awards as an Emerging Leader in 2017.

Since 1997, Beto has held various real estate and finance positions. After graduating, he focused on improving his skills in underwriting affordable housing developments by allocating State and Federal resources for the Illinois Housing Development Authority (IHDA), which opened his eyes to a new passion, ultimately leading him to Cinnaire.

Beto earned his B.A. from University of Northern Iowa.