CRE Banking Portfolio Banker

Responsibilities

• Analyze potential loan opportunities to determine whether the bank should pursue them.
• Work closely with the CRE Banking Relationship Managers/team and the bank’s credit department to prepare a loan structure that works for the bank.
• Draft pre-flights for formal discussion in committee.
• Virtually present pre-flights and credit presentations for discussion and approval, which could include credit committee.
• Work closely with the bank’s Treasury group and Capital Markets team to price loans that achieve the bank’s desired profitability hurdles.
• Review due diligence packages in detail to ensure there are no issues.
• Prepare term sheets that are structured appropriately based on the feedback from the bank’s credit partners.
• Work closely with the bank’s centralized functions for Real Estate Due Diligence, that include the bank’s appraisal group and environmental review team.
• Collaborate with the bank’s Commercial Banking Unit (“CBU”) / Loan Operations / Loan Documentation teams for internally documenting loans (LaserPro) and for ongoing servicing of loans.
• Work with the bank’s approved external legal counsel to document loans in accordance with the approval.
• Work with all parties to appropriately close loans, including, but not limited to, the Borrower, Borrower’s legal counsel, Title company, bank’s legal external counsel, bank’s loan operations, commercial banking associates, etc.
• Communicate directly with customers to be sure that financials are current, which shall include using the bank’s tickler system and working alongside CRDTOPS.
• Work with the bank’s credit group to help complete annual reviews and answer questions in the annual review process.
• Obtain the appropriate credit approval as required for renewals, covenant violations, etc.
• Manages the renewal process for maturing loans and other credit commitments, including covenant monitoring.
• Understands and follows Loan Policy with no material undocumented and unapproved exceptions to help ensure compliance and audit rating of satisfactory or better.
• Helps to manage the Deposit Portfolio, which might include that any overdrafts are properly handled and approval received as required.
• Completes Problem Loan Reports as needed.
• Effectively cross sells various services to customers including personal banking, private banking, cash management and investments.
• Participates in ongoing prospecting strategies and potential new market opportunities.
• Works with market leaders and bankers to strengthen referral source network development through purposeful, proactive activities and events.
• Collaborates with any internal group as needed.

Qualifications

• Bachelor’s degree in business/finance or related field or GED/HS diploma with equivalent experience.
• Several years of commercial lending experience with an emphasis on credit analysis, commercial lending, risk assessment, compliance and problem loan resolution is preferred.
• Must possess strong attention to detail, excellent communication and organizational skills.
• Proficient with Microsoft Office products.

Key Measures Of Success/Key Deliverables

• Achieve relationship manager team goals for new loan/deposit production and average portfolio target.
• Achieve relationship manager team goals for new fee production and average loan delinquency.
• Thorough knowledge of Commercial (CRE Banking) lending practices and concepts.
• Knowledge of laws and regulations including but not limited to appraisal requirements, flood searches, Bank Secrecy Act, and lending limits.
• Knowledge of Treasury Management and Private Banking/Wealth services that complement the lending function.
• Advanced abilities to read, analyze and interpret industry journals and reports.
• Comprehensive understanding of accounting principles, including the analysis of financial statements.
• Good mathematical, accounting and algebraic skills to properly analyze the most complex credits in the Bank.
• Ability to calculate amounts such as discounts, interest, payments and percentages.