Commercial RE Portfolio Specialist

About the role

A Commercial Real Estate Portfolio Specialist provides credit administration and underwriting support while serving as the secondary contact on all managed relationships.

Responsibilities

• Work with corporate banking Relationship Managers (RMs) to manage all aspects of the loan portfolio, including annual reviews, past dues, borrowing base monitoring, covenant compliance, Credit Approval Requests (CARs), collateral exceptions, and other portfolio management activities.
• Actively participate and assist in all aspects of the loan process, including joint calling, underwriting, and preparation of credit approval packages.
• Serve as secondary contact on client relationships and review loan documents.
• Spread, analyze, and interpret business and financial statements.
• Identify strengths and weaknesses of individual credit requests and make recommendations to address and mitigate perceived risks.
• Prepare and present credit analysis packages through the credit approval chain with limited supervision.
• Make calls on companies, sponsors, and investment bankers with senior bankers.
• Serve as the initial deal screen to determine loan viability by researching companies and industries, preparing credit analysis packages, and making preliminary recommendations.
• Interact with senior executives in the senior credit committee.
• Communicate with corporate borrowers to obtain pertinent information for rendering recommendations.
• Address compliance issues with management and customers; evaluate and recommend changes to covenants, pricing, credit agreement terms, etc.
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences.
• Other duties as assigned.

Requirements

• 4-year business degree with concentration in finance and/or accounting preferred.
• 5-7 years of work experience in credit analysis and underwriting preferred.
• Experience as a lender/relationship manager preferred.
• Proficient knowledge of credit policy and loan documentation issues.
• Knowledge of various loan structures and ability to apply this knowledge in the formulation of sound credit recommendations.
• Excellent verbal and written communication skills; ability to write clearly, concisely, and efficiently.
• Ability to understand and work effectively within the credit culture of the company.
• Strong time management skills to prioritize work and meet timelines.
• Experience spreading financial statements utilizing Moody’s or Baker Hill.

Must be able to pass a criminal background and credit check.

Pay

USD $60,466.00 - USD $93,119.00 per year.

Schedule

This is a full-time, exempt position that requires schedule flexibility to work evenings and weekends as needed.

Travel

This position requires less than 5% travel.