Senior Commercial Real Estate Officer

Primary Accountabilities

• Production Activities:
  • Generate new loan production, deposits, fee income and referrals to other business units.
  • Originate new commercial mortgage loans and construction loans, deposits, and fee income from new and existing sources of business.
  • Conduct face-to-face meetings with high quality loan and deposit customers and prepare detailed call reports for customer contacts.
• Preliminary Review:
  • Evaluate borrowers and guarantors, prepare market research, discuss loans with Credit Administrator, prepare term sheets, review appraisal and environmental reports, review guarantor credit reports, review EDR screens and prepare environmental assessment questionnaires.
• Credit Approval Memorandum Preparation:
  • Prepare CAM write-ups / review CAM write-ups by underwriters with clear, concise and timely loan request presentations that meet the Bank’s quality targets, lending policies, and guidelines.
  • Absess the credit strengths, weaknesses, and potential risks.
• Loan Documentation:
  • Review commitments letters, review title searches, review borrower documents, order and review loan documents, and review and sign-off on documentation checklist.
• Loan Draws:
  • Review construction loan draws and inspection reports, review line draws, obtain disbursement approvals, and approve collateral releases.
• Portfolio Management:
  • Actively assist the Team Leader to manage the Lending Team’s existing portfolio of commercial mortgage loans, construction loans, and business deposits.
  • Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRELD deposit goals and objectives.
  • Ensure assigned portfolio of loans is in compliance with the Bank’s credit policies and procedures.
  • Keep abreast of trends and developments that may impact the quality of the assigned loan portfolio.
  • Diligently monitor assigned loan portfolio to ensure risk-rating assessments are accurate with timely re-grades as appropriate.
  • Prepare and review Term Loan Reviews/Compliance and Risk Rating Validations to ensure completeness and all issues addressed.
  • Prepare and review Asset Quality Reviews to ensure completeness and all issues addressed.
  • Prepare and review Modification Memorandums to ensure completeness and all issues addressed.
  • Review annual property inspections and conduct follow-up actions as required.
  • Review annual EDR collateral screens and conduct follow-up actions as required.
  • Monitor daily overdrafts for assigned customers.
  • Complete checklist folders for loan downgrades to 7 or worse.
  • Prepare portfolio management reports as assigned and provide updates for credits managed.
  • Contribute to managing the Lending Team ticklers to CRELD standards.
  • Contribute to CRELD achieving satisfactory annual audit rating and FDIC examination reviews.
• People Management:
  • Assist the Team Leader to provide management guidance and mentoring to the Lending Team staff members.
  • Assist in the management of work assignments and workflows.
  • Assist in mentoring team staff development and advancement and insure alignment with personal development goals.
  • Assist in raising skill levels and core competencies of staff members.
  • In the absence of the team leader, manage the team leader’s responsibilities.

Minimum Qualifications

• Education: High School Diploma or GED equivalency required.
• Bachelor’s Degree from an accredited 4-year university in Business Administration or related field required.
• Experience: 6+ years of experience in Commercial real estate lending / commercial lending and relationship management, or equivalent work experience required.