Shaping the NYC Skyline

In this episode, we sit down with Douglas Romero, Vice President and Head of Construction Lending at Ponce Bank, to explore the critical role community banks play in shaping New York City’s built environment. A proud first-generation New Yorker, Douglas’s journey from the mailroom to a leadership position in real estate finance is a testament to perseverance, ambition, and the power of community-focused lending.

With a deep commitment to responsible financing, Douglas ensures that small businesses, first-time developers, and affordable housing projects have the resources they need to succeed. His work extends far beyond loan approvals—it’s about fostering sustainable growth, empowering entrepreneurs, and revitalizing neighborhoods.

Throughout this conversation, Douglas offers invaluable insights into the evolving landscape of construction lending, shedding light on the challenges faced by small and mid-sized developers, from navigating rising interest rates to adapting to policy changes like the expiration of 421-a and the introduction of new tax incentives. As the financial landscape shifts, his perspective on responsible lending and economic sustainability has never been more relevant.

Douglas also reflects on how his father’s entrepreneurial journey shaped his approach to banking, emphasizing the importance of economic cycles, risk assessment, and mission-driven lending. His expertise provides a rare glimpse into the mechanics of real estate finance—from underwriting to deal structuring—demystifying a process that is often opaque to developers and industry professionals alike.

Join us for this insightful discussion as we explore the lender’s role in shaping the NYC skyline and the future of community-driven real estate development.

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