Associate Credit Portfolio Management (Consents/Surveillance/Workouts)

Job Summary

The Associate is tasked with the critical role of maintaining the Enhanced Surveillance program and maintaining Real Insight data. This position is essential for delivering accurate and updated reporting to internal and external partners based on our contractual obligations under each individual servicing agreement.

Responsibilities

• Support the execution of Consents, Enhanced Surveillance Analysis, Workouts, and portfolio management activities where Trimont serves as Special Servicer.
• Review monthly Commercial Real Estate Finance Council (CREFC) trustee reports uploaded to Real Insight (RI), including Periodic, Property, Financial, Bond, and Supplemental files.
• Monitor deal flow and ensure the accuracy and integrity of the RI database for both “active” and “watchlist” assets.
• Ensure all consent requests are acknowledged, accurately recorded, reported in the servicing system, and processed in a timely manner.
• Set up new deals in the database and complex spreadsheets, ensuring all relevant data is captured for ongoing management.
• Review reports for accuracy and leverage them to identify potential issues on individual loans, collaborating with the Asset Manager on the Master Servicing Team to enhance reporting value for both internal and external stakeholders.
• Conduct independent assessments of situations, requests, loans, and properties by analyzing requests, reports, identified triggers, external resources, and through collaboration with the Master Servicer.
• Review annual operating budgets and actual operating statements at both the loan and property level, and perform financial analysis.
• Analyze rent rolls to assess future lease rollover exposure.
• Review Asset Status Reports.
• Evaluate historical loan-level compliance.
• Interpret third-party reports.
• Analyze Master Servicer Sites and Q&A Logs.
• Review commercial loan trigger events, such as lockbox and reserve springing impounds, deferred property maintenance, FF&E triggers, tenant credit ratings, and occupancy ratios.
• Perform necessary follow-ups to understand deal impact and the status of resolution efforts.
• Support the development of resolution strategies, processing of consent requests, and acquisition of in-depth knowledge of assets requiring additional attention.
• Contribute to Deal Reviews, Watchlist, Consent, and Ad-Hoc Reporting, resulting in more meaningful Watchlist commentary, risk rating assessments, and early identification of potential issues to enable proactive and informed action planning.

Required Qualifications

• Bachelor's degree in Real Estate, Business, Finance, Accounting, or a related field.
• 2+ years of experience in Commercial Banking Portfolio Management, or equivalent experience demonstrated through work experience, training, military service, or education.
• Strong analytical and problem-solving skills, with the ability to interpret complex loan documents and identify critical triggers.
• Effective communication and collaboration skills to work with internal teams and external partners.
• Consistently produces accurate and thorough work, with the capacity to manage competing priorities in a dynamic environment.
• Understanding of commercial banking processes and regulatory compliance.