Associate - Direct Commercial Real Estate

Position Function Assists CRE Loan Officers with structuring, underwriting, and servicing of medium to large size real estate loans to ensure the loans meet the Bank's quality targets, lending policies, and underwriting guidelines. Career path is for an individual to advance from associate level to CRE officer level position, so there is increased emphasis on external relationship responsibilities (e.g., customer calls, negotiation skills, research/business development). Progressively handles more complex loans at more senior associate levels. Supports and assists with the lending team efforts and initiatives to generate new commercial mortgage, construction, and commercial loans, and proactively manages customer relationships to meet loan runoff projections and deposit targets. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented, and Thoroughness. Primary Accountabilities Production Activities Actively support the Team Leader and Loan Officer to review new loan requests from existing and prospective CRE borrowers by providing underwriting support. Provide support for Loan Officers efforts to generate new commercial mortgages and construction loans to meet annual production goals and objectives. Assist Loan Officers to proactively address upcoming loan requests. Review and analyze the borrower’s financial information and financial condition, order appraisal reports, order environmental reports, prepare guarantor global cash flows, and access other internal and external sources of information. Recommend appropriate loan structures to meet the needs of both the customer and the Bank and assist in resolving any issues. Accompany Loan Officer on prospect and customer calls to develop research/business development and negotiation skills. Prepare Credit Approval Memorandums with clear, concise, and timely loan request presentations reviewing the strengths, weaknesses, and potential risks of the credit to document the underwriting decision and supporting rationale to ensure the loan meets the Bank’s loan quality targets, lending policies, and lending guidelines. Review commitment letters, order loan documents, review loan documents, schedule document signing, provide signed documents to Documentation Center for booking, review tickler inputs, and coordinate borrowers opening bank deposit accounts through BCSC. For loan draw requests, review construction loan draws and inspection reports and review line draws for approval and any applicable collateral releases. Actively participate in Bank-sponsored community events. In the absence of the Loan Officer, manage the Loan Officer’s responsibilities in the Lending Team. Portfolio Management Assist the Team Leader and Loan Officer with portfolio management responsibilities to meet the Bank’s objectives of maintaining a high-quality commercial mortgage and construction loan portfolio and to minimize exceptions and maximize compliance. Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRE deposit goals and objectives. Prepare Modification Memorandums, Term Loan Reviews, Asset Quality Reports, and Compliance and Risk Rating Validations for the assigned Lending Team loan portfolio. Proactively contact borrowers and guarantors for updated financial information prior to due dates to ensure timely submissions. Arrange to import the financial information into Info Access on a timely basis. Assists Loan Officers with management of assigned loan portfolios to minimize exceptions and maximize compliance. Verify the accuracy of tickler items in Info Access with the Credit Approval Memorandums, Modification Memorandums and Loan Agreements. Prepare waivers and extension memorandums for tickler items prior to tickler due dates. Review and analyze financial statements and tax returns upon receipt from the customer on a timely basis and input financial statements into Baker Hill Statement Analyzer as applicable. Assist to proactively manage and diligently monitor CRE loan delinquencies and maturing loans in the Lending Team’s loan portfolio and take appropriate actions as required. Provide updates and timely comments for CRE monthly loan portfolio review reports for monthly credit discussions with Credit Administration. Review and prepare Memorandums for EDR collateral screen follow-up actions as required. Prepare covenant compliance tracking reports to track loan compliance. Complete the Criticized Asset Check List requirements for loans downgraded to 7 or worse. Provide updates and comments for the monthly Portfolio Review Reports and prepare portfolio management reports as assigned. Support the Team Leader and overall CRE goal of maintaining 60+ days past due ticklers below 10%. Contribute to and support CRE achieving satisfactory annual audit ratings and FDIC examination reviews. Minimum Qualifications Education High School Diploma or GED equivalency required. Bachelor’s Degree from an accredited 4-year university, preferably in Accounting, Finance, or Economics Experience Associate I 4+ years of experience in Commercial business or commercial mortgage lending and/or commercial mortgage underwriting/structuring/analysis required. (A bachelor’s degree can substitute for 2 years of work experience.) Associate II 5+ years of experience in Commercial business or commercial mortgage lending and/or commercial mortgage underwriting/structuring/analysis required. (A bachelor’s degree can substitute for 2 years of work experience.) Associate III 6+ years of experience in Commercial business or commercial mortgage lending and/or commercial mortgage underwriting/structuring/analysis required. (A bachelor’s degree can substitute for 2 years of work experience.) Physical Requirements & Working Conditions Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. Must be able to read and understand bank-related documents. Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing. #J-18808-Ljbffr