Commercial Real Estate Relationship Manager

About the role

Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments. Coordinate the entire banking relationship for clients and prospects.

Responsibilities

• Work closely with teams on new and existing commercial real estate loan requests.
• Meet with applicants to obtain information for loan applications and to answer questions about the loan process.
• Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans.
• Originate and close new loans to existing customers and prospects consistent with the Bank’s loan policies and state and federal regulations.
• Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank.
• Negotiate legal documents, obtain appraisal/environmental/etc. reports, and work with various third parties such as Borrower/Legal/Participant Lender(s)/Consultant as part of new loan/modification closings including satisfying all pre- and post-closing requirements.
• Review, track progress, and approve loan disbursements for loans with additional funding
• Address all internal/external audit inquiries regarding the loan portfolio
• Stay abreast of new types of loans and other financial services and products to better meet clients’ needs.
• Track local, regional and national economic, financial, political and legislative events, and trends that impact Commercial Real Estate Lending activities and ensure compliance with state and federal regulations
• Submit borrower information to credit analysts for verification and recommendation.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Manage an existing commercial loan portfolio to confirm appropriate risk ratings, collection of financials documents, testing of loan covenants, and other responsibilities as necessary
• Cross-sell other bank products including: deposit products, cash management, treasury services and other bank services.
• Respond to customer and prospect inquiries.
• Assist in the collection/work out activities with troubled/non-performing assets.
• Represent the Bank at various community functions.
• Participate on Bank task forces and committees as assigned.
• Perform additional duties as requested, needed or assigned.

Requ