Commercial Real Estate Officer II

Central Pacific Bank • Honolulu, HI

71d

About The Position

Manage and grow a portfolio of high valued client relationships of loans and deposits accounts that meet established lending and operational policies and provides maximum profitability with minimum risk to the Bank. Performs all duties and interacts with internal and external customers in a manner aligned with the Company's Core Values of Voyaging Spirit and Positively Ohana; Customer Experience Competencies of Customer Interaction, Empowerment and Ownership; and Basic Skills of Listening, Oral Communication, Written Communication, Action Orientated, Thoroughness, Problem Solving.

Requirements

• H.S. Diploma required
• Bachelor's degree in business administration or related field preferred
• 6+ years in commercial real estate lending / commercial lending and relationship management, or equivalent work experience required

Responsibilities

• Actively support the CRELD Team Leader's marketing efforts to generate new loan production, deposits, fee income and referrals to other business units.
• Generate new commercial mortgages and construction loans to meet annual production goals and objectives.
• 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.
• Evaluate the borrowers and guarantors, prepare market research, discuss loan with Credit Administrator, prepare term sheets, review appraisal and environmental reports, review guarantor credit reports, review EDR screens and prepare environmental assessment questionnaires.
• 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 and assess the credit strengths, weaknesses, and potential risks.
• Review commitments letters, review title searches, review borrower documents, order and review loan documents, and review and sign-off on documentation checklist.
• Review construction loan draws and inspection reports, review line draws, obtain disbursement approvals, and approve collateral releases.
• Participate in commercial real estate business organizations and attend meetings and functions.
• Actively participate in Bank-sponsored community events.
• 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.
• Manage loan delinquents and maturing loans to ensure no administrative delinquencies of matured loans.
• 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.
• 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 ensure 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree