Real Estate Loan Portfolio Officer

Duties And Responsibilities/Results

• Manage and monitor the performance, quality, and risk profile of the Bank’s commercial and residential real estate loan portfolio.
• Conduct ongoing portfolio reviews, credit analyses, covenant monitoring, and risk assessments to identify emerging risks and ensure timely resolution of exceptions.
• Analyze borrower financial statements, property performance, market conditions, and third-party information to evaluate credit quality and portfolio trends.
• Ensure timely completion of loan renewals, modifications, annual reviews, and other portfolio monitoring requirements.
• Assist in the preparation and presentation of credit recommendations and portfolio analyses for Credit Committee and Senior Management.
• Lead the review, analysis, and management of criticized and classified assets, including commercial real estate loan workouts, restructurings, modifications, and loss mitigation strategies.
• Develop and recommend resolution strategies for problem loans, balancing risk mitigation, asset preservation, and relationship management objectives.
• Monitor workout plans and borrower performance to ensure timely execution and resolution.
• Cook with legal counsel, compliance, loan operations, and other internal stakeholders regarding loan modifications, restructurings, and enforcement actions.

Leadership & Staff Development

• Direct, coach, mentor, and develop Portfolio Management staff to ensure high levels of performance, accountability, and professional growth.
• Conduct performance evaluations, provide ongoing feedback, identify training opportunities, and address performance issues when necessary.
• Foster a culture of collaboration, continuous improvement, regulatory compliance, and sound credit administration.
• Provide guidance and technical expertise to staff regarding portfolio management, credit analysis, and problem loan resolution.

Reporting, Compliance & Process Improvement

• Provide overall leadership and accountability for departmental readiness for internal audits, external audits, regulatory examinations, external loan reviews, and compliance assessments.
• Direct and oversee the preparation, coordination, and delivery of all audit and examination requests, ensuring responses are accurate, complete, timely, and supported by appropriate documentation.
• Review audit findings, examination reports, loan review observations, and regulatory recommendations and develop appropriate corrective action plans.
• Monitor and report on the status of audit findings, management responses, remediation activities, and corrective action plans to ensure timely resolution.
• Ensure portfolio management records, loan files, risk-rating documentation, exception tracking, and departmental reporting are maintained in a manner that supports regulatory compliance and examination readiness.
• Coordinate periodic portfolio reviews, stress testing exercises, and independent loan review engagements and ensure resulting recommendations are appropriately addressed.
• Promote a strong culture of compliance, accountability, risk awareness, and continuous improvement throughout the department.
• Maintain current knowledge of applicable banking regulations, accounting guidance, credit administration standards, and industry best practices affecting portfolio management activities.