CREF Track: CRE Market Outlook

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.

Chief Economist, Senior Vice President, Research and Business Development, Mortgage Bankers Association

Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Business Development. In this role, he is responsible for overseeing MBA's industry surveys and benchmarking studies, economic and mortgage originations forecasts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is a member of the Board of Directors of the CONVERGENCE Collaborative, and the Smith Enterprise Risk Consortium’s (SERC’s) Advisory Council. Prior to joining MBA, Fratantoni worked in risk management and senior economist roles at Washington Mutual and Fannie Mae. He received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary and has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities.

Head of Real Estate Research & Strategy, MetLife Investment Management

William (Will) Pattison is Head of Research & Strategy for MetLife Investment Management’s (MIM) Real Estate group. He is responsible for research and strategy development in support of MIM’s real estate equity and debt platforms within the Research, Valuations & Analytics group. Will is a voting member of the Investment Committee. Prior to joining MIM in 2015, Will was a member of the Real Estate group at Aegon Real Assets. Will earned a B.S. in Economics from the Iowa State University. He is a Counselor of Real Estate (CRE).