CRE Banker

Hancock Whitney•Orlando, FL

About The Position

The CRE Banker is responsible for retaining and expanding existing business relationships, developing new business, referring clients to other bank areas, and servicing a variety of commercial real estate loans. The role identifies client needs and offers appropriate bank products and services while partnering with Commercial Real Estate Portfolio Managers/Underwriters and Credit Administration on credit opportunities. The banker manages a portfolio of typically $125 million to $200 million, serving commercial real estate developers and investors in the prescribed market area. The role develops and executes business development plans, cultivates prospects through referrals, networking, professional organizations, and community relationships, and participates in all stages of loan origination—from initial deal setup and credit analysis through decisioning and closing. The banker works with portfolio management and underwriting partners to assess risk, structure credit solutions, obtain approvals and documentation, and maintain portfolio quality and yield. The position also represents the bank in civic, community, and industry functions, stays informed about market and industry developments, and complies with applicable banking laws and regulations, including the Bank Secrecy Act. No supervisory responsibilities are assigned.

Requirements

Bachelor’s degree in Business Administration, Finance, Accounting, or a related field.
Formal credit training.
Seven to ten years of commercial real estate lending experience, including management of a commercial loan portfolio.
Ability to work under stress and meet deadlines.
Ability to operate related equipment needed to perform essential job functions.
Ability to read and interpret documents when required to perform essential job functions.
Ability to travel when required to perform essential job functions.
Ability to lift, move, or carry approximately 10 pounds when required, subject to accommodation provisions.

Nice To Haves

Master’s degree.

Responsibilities

Retain and expand existing business relationships, develop new business, make referrals to other bank areas, and service commercial real estate loans.
Manage complex, specialized, sensitive, and high-profile accounts; identify client needs and offer appropriate bank products and services.
Negotiate credit pricing, terms, and structure within established guidelines, and occasionally outside them.
Manage a portfolio of approximately $125 million to $200 million focused on commercial real estate developers and investors in the prescribed market area.
Develop and execute a business development plan and disciplined contact schedule to promote client satisfaction, retain clients, cross-sell products and services, and obtain new relationships.
Cultivate prospects through referrals, networking, professional organizations, social contacts, and community relationships.
Participate in loan origination, including deal setup, client information gathering, credit risk analysis, preparation of transaction memos and term sheets, decisioning, and closing.
Review and validate credit packages prepared by Portfolio Management/Underwriting partners.
Work with Portfolio Managers/Underwriters and outside counsel to prepare and negotiate commitment letters, maintain client relationships, and resolve issues through closing.
Participate in credit underwriting and help design banking relationships that meet customers’ business objectives.
Assess customer credit risk and structure suitable credit solutions within acceptable risk guidelines.
Use the automated business development system to manage calling programs, schedule appointments, develop customer profiles and cross-selling opportunities, follow up with customers, and book new business.
Obtain appropriate credit approvals and related documentation to maintain portfolio quality and yield.
Make commercial real estate loans with varying degrees of difficulty.
Maintain knowledge of bank products, services, credit standards, pricing parameters, business development programs, and automated systems; seek knowledge and mentorship from senior relationship managers.
Monitor industry, competitor, financial market, and other changes that may affect the portfolio or department.
Represent the bank at civic, community, and industry functions to enhance its image and develop business.
Perform related duties and special projects as assigned.
Comply with applicable federal, state, and local banking and industry laws and regulations, including the Bank Secrecy Act.
Uphold organizational integrity and business ethics and communicate this commitment to applicable subordinates.