Cristina Olivia Rosenthal
Redfin Premier Agent
Redfin Premier Agent
Cristina Olivia Rosenthal
Thoughtful, direct guidance for buyers, sellers, and relocating clients throughout Dallas–Fort Worth and North Texas.
Private Appointment
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If you are considering buying, selling, relocating, or simply want to discuss your options, choose a time that works best for you.
Elite Realty Group · Powered by Redfin
Cristina Olivia Rosenthal
Real Estate · Structured Finance · Risk · North Texas
An experienced real estate agent in DFW with more than 20 years across real estate finance, underwriting, structured credit, risk, and complex property analysis.
Cristina brings institutional financial discipline, legal insight, market intelligence, and sophisticated transaction experience to buyers, sellers, investors, and relocating clients throughout Dallas–Fort Worth and North Texas.
Her perspective was shaped long before she became a North Texas real estate advisor.
A Chicago native who relocated to Texas in 2008, Cristina began her career in the subprime mortgage industry as an analyst with Lehman Brothers. That early exposure to mortgage finance, collateral, credit quality, and capital markets established the analytical foundation that would later define her work across real estate, structured finance, banking, and underwriting.
Over the following two decades, her experience expanded across residential and multifamily real estate, commercial lending, asset-based finance, construction finance, global wealth, investment management, and complex credit risk.
Property & Collateral Risk
Condominium & Appraisal Risk
Cristina served as a Subject Matter Expert in condominium risk reviews and complex appraisal-risk regulatory reviews, evaluating projects through the intersection of collateral quality, documentation, eligibility, financial condition, marketability, insurability, and secondary-market requirements.
That experience provides a particularly sophisticated perspective for buyers and sellers navigating condominiums, townhomes, attached housing, investor-owned projects, and properties involving complex underwriting considerations.
Professional Perspective
20+ YearsReal Estate & Finance
Residential · Multifamily · Commercial · Structured CreditStructured Finance
Complex Capital & Credit
Her experience spans GSE and non-conforming lending, Non-QM, asset-based lending, construction financing, agency and non-agency multifamily finance, commercial real estate, industrial, aerospace, healthcare, and other specialized credit structures.
Cristina has also evaluated global cash flow, high-net-worth borrowers, pro-forma financials, stock transactions, off-balance-sheet obligations, and complex middle-market credit exposure.
Senior Leadership
Underwriting at institutional scale.
Cristina served as Head of Underwriting and Credit Risk for a financial technology company, leading compliance-driven underwriting across financial services that included payment SaaS and banking-as-a-service environments.
Her responsibilities centered on underwriting discipline, regulatory compliance, financial analysis, credit policy, risk identification, portfolio quality, and scalable decision frameworks.
City National Bank · Royal Bank of Canada
Vice President, Underwriting & Credit Risk
Cristina served as Vice President of Underwriting with individual credit authority of up to $75 million, evaluating and approving complex, high-value transactions across the United States, Canada, Mexico, and Europe.
Her portfolio experience included more than $15 billion in credit facilities across real estate, aerospace and defense, healthcare, franchise finance, legal services, food and beverage, entertainment, industrial businesses, and other middle-market sectors.
Institutional Experience
A broader view of risk.
Residential, multifamily, REITs, private equity, commercial real estate and construction finance.
GSE, non-conforming, Non-QM, ABL, syndicated transactions and leveraged finance.
U.S., Canadian, Mexican and European lending policies, cross-border currency and multinational credit analysis.
Factoring, receivables, portfolio management, corporate finance, financial modeling and middle-market underwriting.
High-net-worth underwriting, global cash flow analysis, investment management and complex portfolio exposure.
U.S. lending policy, OFAC considerations, sanctions screening, regulatory compliance and complex documentation review.
City of Dallas
Multifamily underwriting.
Cristina later served in Multifamily Real Estate Underwriting with the City of Dallas, where she evaluated project feasibility, municipal credit exposure, HUD regulatory standards, housing policy, and TDHCA Qualified Allocation Plan requirements.
Her work included underwriting 4% and 9% LIHTC developments, municipal debt, tax-exempt bond financing, tax-credit equity, layered capital stacks, and multifamily projects exceeding $50 million in development cost.
She also collaborated with the Dallas Public Facility Corporation and Dallas Housing Finance Corporation on mixed-income, workforce-housing, and tax-exempt financing strategies.
Legal Foundation
Property, process & documentation.
Cristina holds a Bachelor’s degree in Business and a Jurisprudence degree from Loyola University Chicago School of Law. Her Jesuit education emphasized excellence, service, intellectual discipline, personal growth, and purpose-driven leadership.
During law school, she gained practical exposure to the Circuit Court of Cook County, including Real Estate & Tax Services, mortgage foreclosure matters within the Chancery Division, and eviction proceedings involving Forcible Entry & Detainer.
This experience strengthened her understanding of property rights, public records, foreclosure procedures, housing matters, documentation, compliance, and the procedural framework surrounding real estate.
Military Community
Service deserves understanding.
While working with USAA, Cristina developed a firsthand appreciation for the unique challenges military families face, including PCS relocations, deployments, overseas assignments, compressed timelines, and complex financial decisions.
Supporting members of the United States Armed Forces was a privilege that continues to shape the care she brings to military relocation clients throughout Texas.
Her Approach
“Real estate is not simply about the property. It is about understanding the capital, risk, documentation, market and people behind the transaction.”
Redfin · Elite Realty Group
Institutional experience. Personal representation.
Today, Cristina brings that background directly to clients searching for an experienced real estate agent in DFW.
As a Redfin agent with Elite Realty Group, she combines advanced technology, local Dallas–Fort Worth market data, financial sophistication, property-risk analysis, negotiation, and a deep understanding of complex transactions.
She works with North Texas buyers and sellers across residential real estate, luxury homes, condominiums and townhomes, relocation, investment property, multifamily opportunities, and transactions requiring a more analytical approach.
Fluent in Spanish, Cristina also serves clients navigating cross-border considerations and Spanish-speaking households throughout Dallas–Fort Worth and North Texas.
Areas of Real Estate Guidance
Loyola University Chicago School of Law · Jesuit Foundation
Values Rooted in Service, Excellence & Purpose
Cristina’s Jesuit education shaped a disciplined, service-centered approach to leadership, law, and real estate. During law school, that foundation was strengthened through practical experience with the Circuit Court of Cook County, where she gained exposure to real estate, tax, foreclosure, and housing-related matters.
Cura Personalis
Care for the whole person.
Cristina brings patience, discretion, and thoughtful attention to every client relationship, recognizing that real estate decisions are often deeply personal as well as financial.
Magis
The pursuit of greater excellence.
For Cristina, “more” means deeper preparation, stronger advocacy, better judgment, and a higher standard of service rather than simply more activity or more transactions.
Ad Majorem Dei Gloriam
For the greater glory of God.
A purpose-driven value that encourages integrity, humility, responsibility, and meaningful work in service to others.
Client Perspective
Refined Guidance, Strategic Results
“Cristina brings clarity, professionalism, and financial insight to every step of the real estate journey.”
Buyer Experience
Featured Perspective
“Her strategic approach, market knowledge, and client-first care create a polished and confident experience.”
Featured Review
“Clients value Cristina’s discretion, communication, and ability to make complex decisions feel clear.”
Seller Experience