CRE Relationship Manager IV

Responsibilities

• Loan generation and deposit gathering are your priority, along with cross-selling any other Bank Services your clients need.
• Serves as the account and transaction quarterback from sourcing the relationship to closing of the transaction.
• Responsible for loan production, deposit gathering, and other cross-sell goals.
• Engages with customers regularly to identify their financial needs and offer relevant banking products.
• Generates and develops new business relationships through networking, cultivating referral sources, and COIs.
• Maintains, nurtures, and deepens existing client relationships.
• Expert understanding of credit underwriting fundamentals as it relates to RE secured credits of all types (Land Acquisition, Construction, Transitional/Bridge, and Permanent Financing).
• Maintains a strong presence with the local community through active involvement and leadership roles in various professional organizations and events.
• Manages cross-company partnerships and alliances designed to acquire and drive business opportunities.
• Structures and negotiates complex CRE loan term sheets and loan documents in partnership with counsel.
• Maintains and ensures high quality loan portfolio through the support of underwriting and portfolio management team by monitoring loan policy exceptions, ongoing review of credits, loan covenant compliance, and site inspections.
• Effect desired results when dealing with different areas and departments of the Bank.
• Makes regular presentations to Loan Committee and other Senior Managers.
• Reviews the contents of appraisals, appraisal reviews, cost analyses, and environmental reports to ensure compliance with approved terms, as well as Bank's policy and regulatory requirements.
• Coaches and mentors junior relationship managers in the team.
• Excellent understanding of complex SWAPs and other Hedging instruments.
• Capital market perspective and proven ability to sell loan participations and syndicated loans.
• Identifies credit risks associated with a transaction, recommends and follows up with a plan of action to improve/resolve identified problems and avoid potential losses to the Bank.
• Ensures preventive measures are carried out to fully comply with current rules, regulations, and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC, and other AML-related issues.
• Identifies, evaluates, monitors, and makes any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures, or ethical standards.

Requirements

• Bachelor’s Degree.
• MBA or MS in CRE Investment/Finance required.
• Must be NMLS registered and provide the company with NMLS number or be willing to register in NMLS prior to employment being offered.
• FBI Criminal Background and credit check must be successfully passed before job offer is presented.
• 10 years of previous experience in business development, credit portfolio managing, and analysis of structuring of CRE credit transactions in the assigned local market.
• Formal credit training required.
• Excellent knowledge of local Real Estate industry; expert real estate credit skills; financial statement analysis, real estate construction, and credit structuring.
• Excellent oral and written communication skills.
• Strong leadership and coaching abilities.