Portfolio Manager - Investment Commercial Real Estate

Job Title

This position is responsible for facilitating decisioning and analysis of all types of credit information to support lending decisions and processes. Maintains and promotes a client service environment to satisfy and exceed member needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Credit Union and NCUA Policies & Procedures.

Duties & Responsibilities

• Manages and services a portfolio of existing commercial loan relationships.
• Underwrites, analyzes, and prepares credit memos. Develops credit information to make lending decisions on new, renewal and extension loans.
• Reviews, analyzes and evaluates risks of new or existing business. Prepares summaries, present facts and offers opinions concerning credit worthiness.
• Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. and provides accurate financial analysis and risk assessment of new and existing customers.
• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
• Expands and builds strong relationships with a high degree of member satisfaction.
• Serves as a daily escalation resource to ensure member expectations are met or exceeded.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Helps determine business priorities and best sequence for execution of business/group strategy.
• Acts as the prime subject matter expert for internal/external stakeholders.
• Participates in the development of financial models and other analytical tools to assist members in evaluating capital structure.
• Develops regular and ad-hoc reports and dashboards to monitor performance and inform future decisions.
• Maintains current insight on financing trends in target markets; and communicate same to team members.
• Coordinates the preparation of lending proposals and pitches to current and prospective members with efforts to maximize penetration and returns.
• Negotiates transactions with members and provides deal structuring expertise.
• Partners with internal stakeholders for accurate, detailed client information.
• Minimizes risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Additional duties as assigned.

Requirements

Education and Experience Requirements:

• Bachelor's Degree in Business or Finance; significant direct experience or certifications may be considered in lieu of college degree.
• 5 - 7 years of relevant experience in Commercial Real Estate Portfolio Management
• Deep knowledge and technical proficiency in Commercial Real Estate Portfolio Management

Required Knowledge, Skills and Abilities:

• Ability to maintain a high level of confidentiality and acts as a trusted advisor.
• Builds effective relationships with internal/external stakeholders.
• Provides specialized consulting, analytical and technical support.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• Excellent verbal & written communication skills
• Collaboration & team skills
• Data driven, analytical and problem-solving skills
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Influences and negotiates to achieve business objectives.

Preferred Knowledge, Skills and Abilities:

• Experience with problem asset management and special asset disposition
• Advanced expertise specific to Investment Commercial Real Estate considerations

Community America Credit Union