Commercial Real Estate Portfolio Management Officer

City National Bank of Florida•Coral Gables, FL

About The Position

The Commercial Real Estate Portfolio Management Officer manages an assigned portfolio of commercial real estate loans. The role includes underwriting and processing new credit requests, including complex credits, construction projects, and specialty property assets; handling renewals and modifications; conducting annual loan reviews; monitoring loan covenants; and evaluating risk changes in light of market and industry conditions. The position reports directly to the Real Estate Risk Manager or their designee and undertakes special projects as assigned. The officer works with Relationship Managers on portfolio monitoring and maintenance, client relationship support, sales efforts, and gathering financial information for underwriting and servicing assignments. The role also participates in reviews by bank examiners, auditors, and loan review staff, and in industry associations and activities that support the Bank’s understanding of and presence in the market.

Requirements

10 years of commercial real estate underwriting and/or portfolio management experience, preferably with OCC-regulated institutions.
Bachelor’s degree in Accounting, Finance, or Economics.
Computer literacy and fluency in Microsoft Office programs, particularly Excel analysis.
Strong verbal, written, and interpersonal skills.
Effective report-writing and other written communication skills.
Attention to detail and strong organizational skills.
Ability to solve problems, make decisions, manage multiple deal underwritings, prioritize tasks, and meet deadlines.
Ability to identify loan risks, problems, or questions during underwriting and before finalizing analysis.
Ability to make decisions quickly and confidently based on analysis.
Ability to work independently with minimal supervision.
Clear verbal communication with internal and external clients and third-party participants as needed.
Ability to establish and maintain effective internal and external work relationships.

Nice To Haves

Construction underwriting experience.
C&I experience with owner-occupied real estate.

Responsibilities

Ensure compliance with underwriting guidelines, credit policy, and regulatory requirements, and understand material changes and their potential impact on the loan portfolio.
Conduct or coordinate structuring and underwriting of new credit requests and prepare credit approval packages; aggregate credit relationship details and quality-control supporting analyses prepared by colleagues.
Advise the Real Estate Risk Manager and/or Director of Real Estate Risk of adverse changes in assigned loans’ risk profiles due to financial performance, market, or industry conditions.
Work with Relationship Managers to monitor, maintain, and potentially grow loan portfolios; identify changes in risk for existing loans and take necessary action.
Support maintenance of existing client relationships by processing renewal and modification transactions for maturing credits and participating in applicable restructurings of terms and conditions.
Collaborate with Relationship Managers to gather clients’ financial information for timely underwriting and portfolio servicing, including annual loan reviews and covenant testing.
Help document risk rating changes and Watch List Action Plans, and support transfers of underperforming credits to the Asset Recovery Department.
Support Relationship Managers’ sales efforts, including joint client and prospect calls, market research, and other sales- or client-oriented projects.
Develop working knowledge of existing client relationships and prospect opportunities.
Participate in reviews of the Real Estate loan portfolio by bank examiners, auditors, and loan review staff; coordinate requested loan materials and complete responses as required.
Participate in industry-sponsored associations, seminars, and activities to further the Bank’s market understanding and presence.
Conduct ad hoc projects and assignments as directed by the Real Estate Risk Manager, Director of Real Estate Risk, or their designee.