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 underwrites and processes new credit requests, including complex credits, construction projects, and specialty property assets. It also handles renewals and modifications of existing credits, annual loan reviews, loan covenant monitoring, and assessment of risk changes based on market and industry conditions. The position reports directly to the Real Estate Risk Manager or their designee and completes special projects as needed. The officer ensures compliance with underwriting guidelines, credit policy, and regulatory requirements; coordinates underwriting and preparation of credit approval packages; monitors risk across the assigned portfolio; and works with Relationship Managers on portfolio maintenance, client relationships, servicing, and sales support. The position also coordinates materials and responses for bank examiners, auditors, and loan review staff and participates in industry associations and activities.

Requirements

10 years of commercial real estate underwriting and/or portfolio management experience, preferably with OCC-regulated institutions.
Fluency in Microsoft Office programs, particularly Excel analysis.
Strong verbal, written, and interpersonal skills.
Effective report-writing and written communication skills.
Detail-oriented and organized.
Ability to solve problems, make decisions, manage multiple underwriting deals, prioritize tasks, and meet deadlines.
Ability to identify and communicate loan risks, problems, or questions during underwriting and before finalizing analysis.
Ability to make timely, confident decisions 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 working relationships internally and externally.
Bachelor’s degree in Accounting, Finance, or Economics.

Nice To Haves

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

Responsibilities

Ensure compliance with underwriting guidelines, credit policy, regulatory requirements, and material changes that may affect the loan portfolio.
Conduct or coordinate the structuring and underwriting of new credit requests and prepare credit approval packages, aggregating relationship details and quality-controlling supporting analyses.
Advise the Real Estate Risk Manager and/or Director of Real Estate Risk about adverse changes in loan risk profiles resulting from financial performance, market conditions, or industry conditions.
Work with Relationship Managers to monitor, maintain, and potentially grow loan portfolios; identify risk changes in existing loans and take appropriate action.
Support maintenance of existing client relationships by processing renewal and modification transactions for maturing credits and participating in restructuring terms and conditions when applicable.
Collaborate with Relationship Managers to gather client financial information for underwriting and portfolio servicing, including annual loan reviews and covenant testing.
Assist with documentation of risk-rating changes, Watch List Action Plans, and transfers of underperforming credits to the Asset Recovery Department.
Support Relationship Managers’ sales efforts, participate in joint client and prospect calls, and assist with market research and other sales or client-oriented projects.
Develop working knowledge of existing client relationships and prospective 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.