Commercial Real Estate Portfolio Manager I – PRO CRE

Essential Duties And Responsibilities

• Prepare comprehensive credit analysis on commercial real estate loans.
• Analyze and prepare credit approval documentation in the Bank’s approval system.
• Monitor and manage assigned loan portfolio, including tracking covenants, recording financial statements, and monitoring company performance against expectations.
• Work with the Client Specialist to ensure systems of record are accurate for the loan portfolio; ensure management information is reported timely and accurately; obtain satisfactory loan reviews and ensure regular reviews of borrowers and real estate projects are performed.
• Participate in internal credit conversations with RM’s, Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participate in special projects and assignments and perform other duties assigned.

Roles And Responsibilities

• Commercial Loan Origination Processes:
• Prepare credit analysis including review/analysis of real estate specific and market information and financial statements for commercial real estate borrowers, guarantors and prospects.
• Real estate and market-specific analysis will include review, analysis and summary of leases, appraisals, construction budgets, proformas, etc.
• Financial statement analysis will include analysis and presentation of borrower and guarantor balance sheets, income statements, global real estate schedules, cash flows, financial ratios, trends and debt repayment capacity.
• Use analytical tools to best suit the specific project/borrower and exercise sound judgement in determining appropriate depth and sources of analysis including conducting additional due diligence when deemed necessary.
• Exercise discretion and utilize their experience in determining the best approach to performing and presenting complex analysis in an effective, concise, and thorough manner.
• Analyze and prepare credit approval documentation in the Bank’s approval system.
• Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.
• Not only for accurate calculations and inputs, but also for thoughtful implementation of PRO CRE policies, procedures, guidelines and conventions.
• Monitor and manage assigned loan portfolio.
• Work with the Client Specialist to ensure systems of record are accurate for the loan portfolio; ensure management information is reported timely and accurately; obtain satisfactory loan reviews and ensure regular reviews of borrowers and real estate projects are performed.
• Participate in internal credit conversations with RM’s, Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participate in special projects and assignments and perform other duties assigned.

About The Role

Provides analytical and monitoring support for large commercial real estate loans including an independent analysis of the creditworthiness of customers and prospects.

Requirements

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business from four-year university.
• Minimum 2+ years of related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred.
• Familiarity with financial instruments and the processes used to analyze financial data.
• Good fundamental understanding of general bank operations and the lending process.
• Strong computer skills required with the following programs: Access, Word, PowerPoint and Outlook and proficient skills with Excel.

Qualifications

• Ability to read, analyze, and interpret financial reports and legal documents;
• Perform simple to complex calculations;
• Effectively research, analyze and evaluate information to make decisions, solve problems and achieve goals;
• Read, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, and significant business partners;
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

Skills

• Microsoft Office Suite (including MS Excel and MS Word), facsimile machine, Copier, Scanner, Hewlett Packard 12 C Calculator (or equivalent), Financial Spreading Software.

Benefits

• Medical with wellness incentives, dental, and vision HSA with company match.
• Tuition reimbursement.
• Maternity and parental leave.
• Mentor program.
• 401(k) with 6% match.