Associate CIB Credit & Portfolio Management
About The Position
The Associate, CIB Credit & Portfolio Management helps underwrite and monitor complex and/or high-dollar commercial real estate (CRE) and other banking loan relationships, identifying and managing risks in the business loan portfolio. The Associate supports continuous-improvement initiatives, leads selected projects to advance loan growth and efficiency, and helps deliver a strong experience for internal and external customers. The role conducts deal diligence and reviews transaction documents, data-room materials, company and sponsor information, and third-party reports. It supports deal structuring and credit and covenant recommendations, and works with front-office teams to underwrite CRE transactions, including warehouse and repurchase facilities, term loans, and revolving credit facilities. Analysis includes collateral quality, sponsor strength, cash flows, and downside scenarios. The Associate prepares credit approval materials for new transactions and portfolio events, supports risk ratings, participates in deal presentations and internal approval discussions, coordinates legal aspects of transactions, and monitors loan performance, covenant and borrowing-base compliance, and concentrations while flagging emerging credit and event risks.
Requirements
- Bachelor’s degree in a related field, or equivalent demonstrated through a combination of work experience, training, military service, or education.
- At least 5 years of CRE credit experience, including underwriting and structuring CRE loans and/or CRE warehouse, repurchase, and other secured financing facilities across property types.
- Experience in CRE portfolio management, including surveillance, annual reviews, renewals and extensions, amendments, risk-rating recommendations, and exposure and concentration monitoring.
- Experience preparing credit approval memoranda and presenting recommendations to senior credit approvers and credit committees.
- Strong knowledge of CRE underwriting fundamentals, including property-level cash flow analysis, NOI, DSCR, LTV, debt yield, appraisals, and lease and rent-roll analysis.
- Practical and conceptual knowledge of credit and risk analysis, including evaluation of sponsor and borrower strength, collateral performance, market trends, and downside and stress scenarios.
- Strong analytical and financial-modeling skills; proficiency with financial statements; and ability to structure credit in a modeling environment and assist relationship managers with credit-relationship structuring.
- Skill in proposing, negotiating, and recommending credit and covenant structures, including advance-rate, eligibility, and margin-call provisions.
- Knowledge of loan and related legal documents, including credit and warehouse agreements, guarantees, and collateral and servicing documents.
- Understanding of industry nuances applicable to the group’s portfolio and knowledge of Federal banking regulations.
- Proficiency with Microsoft Office, including Word, Excel, and PowerPoint, and ability to work with data.
- Sound judgment and credit skills, including the ability to reach conclusions independently and form a clear view of credit structure and business risk.
- Strong written and verbal communication skills, including the ability to persuasively present ideas and influence others toward agreement on proposed solutions.
- Ability to work in a fast-paced environment with little supervision, work effectively on teams, and build partnerships with documentation and underwriting units.
- Comfort with customer-contact situations, including escalations and potential workout or loan-restructuring environments.
- Legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.
Nice To Haves
- Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Responsibilities
- Conduct deal diligence, identify key risks, and review deal documents, data-room materials, company and sponsor information, and third-party reports.
- Help structure deals and recommend credit and covenant structures.
- Work with front-office teams to underwrite CRE transactions, including warehouse and repurchase facilities, term loans, and revolving credit facilities.
- Analyze collateral quality, sponsor strength, cash flows, and downside scenarios.
- Prepare credit approval materials for new transactions, renewals, extensions, amendments, and annual reviews, and support risk ratings.
- Participate in deal presentations and internal approval discussions, ensuring internal approval write-ups are completed accurately and on time.
- Coordinate legal aspects of the deal process with counsel and documentation teams.
- Monitor loan performance, covenant and borrowing-base compliance, and portfolio concentrations, and proactively flag emerging credit and event risks.
- Support department continuous-improvement initiatives and lead selected projects that support loan growth and efficiency objectives.
Benefits
- Competitive rewards package designed to support employees, their families, and well-being.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
