Commercial Real Estate Relationship Manager

Commercial Real Estate Loan Manager

Responsible for end-to-end production (origination to payoff) of an assigned portfolio ($200+ million) of complex commercial real estate term, interim, value-add, and construction loans.

Major Job Accountabilities

• Manages relationship building activities that result in successful client relationships, deal sourcing, analyses, loan structuring, loan approvals, due diligence, documentation, and loan closings for the assigned portfolio.
• Builds pipeline through existing portfolio, referrals, and prospecting.
• Negotiates and structures loan terms and conditions independently, including the costs, repayment method and schedule, and collateral requirements.
• Independently executes and manages the closing and booking of credit products.
• Efficiently manages credit and financial files in accordance with Bank standards.
• Ensures loan system information accurately reflects the terms of approval.
• Proactively delivers accurate monitoring information to various internal stakeholders to assure the risk rating and regulatory asset quality rating for each loan reflects current conditions.
• Prioritizes a clear line of communication open with the Department Manager, Credit Administration, and other internal stakeholders to promote transparency and a productive end-to-end loan process.
• Efficient monitoring of borrowers within the portfolio, including review of borrower performance and compliance with financial covenants.
• Proficient with bank products to cross sell as appropriate.

Experience Required

• Minimum three (3) to seven (7) years of the following experience:
• Background in all aspects of commercial real estate lending. Able to handle the largest and most complicated credit requests independently
• Established as a Relationship Manager
• Able to prospect and convert non-bank clients
• Able to handle loan portfolio size in excess of $200-$300 million
• Able to mentor others.

Required Skills or Training

• Demonstrated knowledge, relative to peers in the industry, in commercial real estate investment and development principles, concepts, dynamics, market conditions, and trends.
• Proven ability to negotiate and be influential with highly skilled borrowers and their associates, which include high-net worth professionals.
• Excellence with cash flow modeling, risk & return measurements.
• Able to review various legal documents independently including but not limited to, promissory notes, mortgages, financing statements, security agreements, personal guarantees, subordination agreements, and workout agreements.
• In-depth knowledge of:
• Modern business practices and the legal structures of corporations, partnerships, and sole proprietorships.
• Accounting principles and practices sufficient to analyze and evaluate financial conditions of corporate enterprises.
• Business products in order to cross-sell bank products.
• Ability to analyze and evaluate financial/credit data and prepare reports independently.
• Demonstrated ability to apply financial regulations, policies, and procedures to analytical work.
• Excellent verbal, written, and interpersonal communication skills.

Professional Certifications, Licenses, And/or Registration Requirements

• Valid US driver's license and access to transportation.

EOE, including disability/veterans

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