CRE Portfolio Manager - Remote

Primary Responsibilities

• Underwrite and document loan modification requests and annual loan reviews on existing commercial real estate loans
• Prepare clear and concise credit presentations for annual reviews, including financial analysis, collateral assessment, risk and mitigant identification, and recommendations for current risk rating
• Spread borrower and guarantor financial statements, test and monitor financial covenants, perform collateral analysis, and prepare market assessments
• Update loan metrics and risk ratings accurately and timely
• May also occasionally perform credit underwriting on new requests by creating credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies
• Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function
• Avoid making, recommending, and presenting credit decisions to credit administration and credit committee without thorough research and analysis
• Ensure that loan files and documentation are complete
• Make, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communication
• Develop and maintain positive relationships with internal and external clients
• Absolutely assist with timely reporting and analysis of financial information collected from borrowers

Required Qualifications

• 2+ years of experience analyzing commercial property rent rolls and financial statements
• 2+ years of experience analyzing business and personal financial statements associated with loan requests
• 2+ years of experience underwriting or managing a portfolio of commercial loans, including exposure to non-owner occupied commercial real estate loans
• Experience recommending commercial credit exposure greater than $2 million
• Experience with commercial real estate financing, loan documentation, lending laws, portfolio monitoring, and loan servicing

Preferred Qualifications

• Bachelor's degree in Finance, Accounting, Business, or Economics from an accredited institution
• Completion of a formal commercial credit training program
• Experience managing watch list loans and working out problem loans

Benefits

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc.

In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements).

No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives.

Company Information

We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life.

UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified candidates will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.