CREF Track Session 3: Remarks from Representative Emanuel Cleaver, II (D-MO)

Christine Chandler

2025 MBA Chair-Elect; Executive Vice President, Chief Credit Officer & Chief Operating Officer, M&T Realty Capital Corporation

Christine Chandler has been with M&T since 1991 and has more than 30 years of experience in commercial real estate finance. Since 2018, she has been responsible for making credit decisions for M&T RCC multifamily and healthcare transactions underwritten in the Fannie Mae and Freddie Mac (Agency) and Federal Housing Administration (FHA) platforms as well as managing the company’s operations and its Asset Management Group and Transformation team. Prior to that, Chandler served 13 years as the M&T RCC Chief FHA Underwriter, was a senior Fannie Mae DUS Underwriter, and previously spent several years managing the closing and delivery for FHA and Ginnie Mae transactions. Chandler has also served as a relationship manager in the company’s commercial real estate division, focusing on construction and permanent portfolio lending. Active in various committees and groups related to the mortgage banking industry, Chandler is a voting member of MBA’s Board of Directors, served as the 2023 Chair of MBA’s Commercial Real Estate/Multifamily Finance Board of Governors (COMBOG), and was appointed to MBA’s Audit Committee in 2021. She is a sought-after speaker at industry conferences and is a passionate advocate for mPower, MBA Promoting Opportunities for Women to Extend their Reach, the largest networking organization for women in real estate finance.

Representative Emanuel Cleaver, II (D-MO)

House Financial Services Committee Member, U.S. House of Representatives