Commercial Real Estate Relationship Manager - Remote

UnitedHealth Group•Draper, UT

15h•Remote

About The Position

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. The Commercial Real Estate Relationship Manager will be responsible for maintaining and developing lending relationships to support the bank in building and maintaining its strong credit portfolio. This will involve working closely with current and potential lending partners, borrowers, bank credit administration, chief credit officers, the Credit Committee, and bank management. The Relationship Manager will source, review, and present loan requests to Credit Committee members for preliminary approval. You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Requirements

7+ years of experience analyzing business and personal financial statements associated with loan requests
7+ years of experience underwriting commercial loans, including commercial real estate loans
5+ years of experience working in credit or lending role with a commercial bank
3+ years of experience making or recommending credit decisions on transactions > $5 million
3+ years of experience reviewing or negotiating commercial real estate loan documents
2+ years of experience managing relationships with Borrowers or third-party lending partners
Ability and willingness to travel up to 25%25 as needed
Driver’s license and access to reliable transportation

Nice To Haves

Completion of a formal commercial credit training program
Experience working out problem loans. We don’t have many, but the experience makes better lenders
Familiarity with loan syndications and loan participations

Responsibilities

Manage relationships with third-party lending partners
Host and visit clients annually to deepen relationships, including as opportunities arise for conferences or site inspections associated with loan opportunities
Evaluate, recommend, and complete due diligence for new lending opportunities and relationships with new lending partners
Identify and implement operational efficiencies related to the lending product assigned
Present new loan opportunities to the Credit Committee for approval
Identify, evaluate, and implement efficiencies within the underwriting and closing function for the lending partners assigned
Collaborate with Credit Administration, Underwriters, and Operations team to further develop templates and processes
Create credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies
Analyze and document loan modification requests
Be knowledgeable of policies, guidelines, procedures, legal documentation, regulations and systems applicable to the credit function
Ensure that loan files and documentation are complete
Make, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communication
Assist with portfolio management and monitoring by ensuring documentation is received in a timely manner
Develop and maintain positive relationships with internal and external clients