National Lending Portfolio Manager

About the role

We are looking for a talented, service-minded National Lending Portfolio Manager to facilitate and coordinate all functions necessary to ensure accurate and complete closing of national commercial real estate mortgage loans. This role ensures loans are compliant with federal regulations and bank policy while mitigating risk in a supportive, relationship-focused environment.

Responsibilities

• Manages the national commercial real estate loan portfolio, including preparation of annual loan reviews, quarterly asset quality reviews, and other related loan management documents.
• Tracks and facilitates removal of loan exceptions.
• Receives and reviews due diligence submission items and processes for closing.
• Obtains quotes, orders, and analyzes environmental, zoning, property condition reports, and flood determinations.
• Orders and provides cursory review of third-party property inspections.
• Orders bankruptcy and litigation searches on new borrowers and guarantors.
• Reviews and verifies property insurance on new loans to ensure compliance with the Bank’s lending policy prior to loan closing.
• Analyzes annual ad valorem taxes and property insurance premiums to determine monthly escrow payments.
• Provides written analysis to the Bank’s loan operations department regarding post-closing submission activities.
• Ensures loans comply with policies, guidelines, and standards of the commercial real estate department, First Fidelity Bank, and federal regulations.
• Arranges funding of loans and payment of loan closing expenses.
• In conjunction with attorneys, determines documents necessary for evidencing and/or securing of loans.
• Reviews all closed loan documents for accuracy and compliance.
• Communicates any post-closing exceptions to borrower, title company, or mortgage loan broker.
• Determines closing requirements and serves as liaison between legal counsel, insurance agencies, county tax and assessor officers, internal compliance officer, internal accounting, loan officer, and loan operations regarding all aspects of the loan closing process.
• Reports to senior management on all loan originations and loan extensions.

Requirements

• Five years of professional work experience, including three years of bank-related real estate loan management experience preferred.
• Previous experience in credit analysis, loan portfolio management, and loan review.
• Proven ability to understand and analyze financial statements and tax returns, as well as complex financial and real estate-based compliance regulations.
• Bachelor’s degree required; preferably in Finance, Accounting, or Economics; or commensurate level of combined work experience and education in real estate, lending, law, credit administration, or similar capacity.

Skills

• Represents the bank and oneself in a positive, courteous, friendly, and professional manner.
• Ability to work outside of normal business hours.
• Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension, and effectively convey responses that promote a positive impression.
• Excellent time management and organizational skills, with the ability to work independently with little supervision.
• Proficient computer skills, particularly Microsoft Office Tools (Excel, Word).
• Ability and willingness to make sound judgments with little hesitation and after thorough consideration of relevant data.
• Strong analytical skills and the ability to interpret financial information and data.

Additional Information

• No supervisory responsibility.
• Normal office activity with some travel required.