VP, Portfolio Relationship Manager, CRE & LIHTC Loans

Responsibilities

• Provide 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.
• Maintain ongoing relationship engagement with Borrowers.
• 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 construction lending, with preference for LIHTC 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
• Credit Analysis
• Loan Documentation
• Portfolio Management
• Risk Management
• Microsoft Office Applications
• Communication Skills
• Interpersonal Skills

Benefits

• 401(k) Plan with Company Match
• Comprehensive Insurance Options
• Paid Time Off
• Tuition Reimbursement
• Limited 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