VP, Portfolio Relationship Manager, CRE

About the role

Responsible for providing financial, credit, and trend analysis for the delivery of the Bank's credit products and services to middle market and other business clients and prospects. Monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Conduct regular reviews of loans and identify any risk rating changes. Keeps apprised of industry related, political and regulatory issues to determine their impact on specific industries or clients. Acts in an independent fashion from the sales teams to structure and evaluate credit requests. Is responsible for determining the credit worthiness of the Borrower and recommending credit decisions to Credit Administration. Performs all duties in accordance with the Company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the Company operates.

Responsibilities

• Serve as the primary credit point of contact for Borrowers, maintaining ongoing relationship engagement.
• Review and interpret loan agreements, guarantees, and other credit documentation.
• Review, approve, and process loan advance requests in collaboration with the Loan Servicing team.
• Review and approve monthly loan statements and related reporting.
• Monitor performance versus expected timing on project loans to assess interest reserve adequacy.
• Collect periodic financial reporting; prepare and monitor financial and operational trends.
• Analyze ongoing compliance with reporting and performance covenants and recommend actions as needed.
• Prepare quarterly risk reviews and portfolio assessments.
• Evaluate Borrower requests (including amendments, waivers, and term extensions) and prepare summary credit memoranda with recommended actions.
• Manage analysis, reporting, and credit recommendations for classified (non workout) loans.
• Provide guidance and oversight through employee performance evaluations, goal setting, and ongoing feedback.
• Support, coach, and develop team members as part of day-to-day portfolio management.
• Follow all established policies and procedures.
• Perform other duties and projects as assigned.

Requirements

• Bachelor’s degree in accounting, finance, economics, or a related field, and/or 5+ years of relevant lending or portfolio management experience.
• Strong working knowledge of real estate lending, with preference for construction and bridge experience.
• Solid understanding of commercial lending fundamentals, including cash flow analysis, financial analysis, and loan structuring.
• Strong working knowledge of bank credit policies, portfolio management practices, and risk management standards.
• Ability to interpret and work with complex loan documentation and collateral perfection requirements.
• Proficiency in Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook.
• Strong organizational and time management skills, with the ability to manage competing priorities.
• Excellent oral, written, and interpersonal communication skills, including clear and effective analytical writing.
• Ability to understand, explain, and evaluate financial calculations and pricing alternatives.
• Ability to deliver both informal and formal presentations to internal teams, management, and external partners as needed.

Qualifications

• High School diploma or equivalent required.

Skills

• Financial analysis
• Cash flow analysis
• Loan structuring
• Complex loan documentation
• Collateral perfection requirements
• Microsoft Office applications
• Organizational and time management skills
• Interpersonal communication skills
• Financial calculations and pricing alternatives
• Presentations

Benefits

• 401(k) plan with company match and immediate vesting
• Comprehensive insurance options including medical, dental, vision, AD&D, supplemental life, long-term disability, pre-tax Health Savings Account with employer contributions, and pre-tax Flexible Spending Account (FSA)
• Adoption, surrogacy, and fertility assistance
• Paid parental leave
• Family support solutions including care options for your family
• Paid vacation days, holidays, and volunteer time off
• Tuition reimbursement
• Lifetime mentorship program
• Leadership development resources
• Access to LinkedIn Learning

Pay

The base salary ultimately offered is determined through a review of education, industry experience, training, knowledge, skills, abilities of the applicant in alignment with market data and other factors.

Schedule

N/A