CRE Banker

Hancock Whitney Bank•Orlando, FL

About The Position

The CRE Banker is responsible for retaining and expanding existing business relationships, developing new business, making referrals to other bank areas, and servicing a variety of commercial real estate loans. The role identifies client needs and works with clients to provide appropriate bank products and services, partnering with Commercial Real Estate Portfolio Managers/Underwriters and Credit Administration on credit opportunities. The banker manages highly complex, specialized, unique, sensitive, and high-profile accounts, typically negotiating credit pricing, terms, and structure within established guidelines. The portfolio expectation is $125 million to $200 million, serving commercial real estate developers and investors within the prescribed market area. The role develops and executes a business development plan, maintains disciplined client contact, cultivates prospects, participates in loan origination from deal setup through decisioning and closing, and helps structure credit solutions that meet client objectives while remaining within acceptable risk guidelines. The position also maintains knowledge of bank products, services, credit standards, pricing parameters, business development programs, and automated systems; monitors industry and market changes; represents the bank in civic, community, and industry functions; complies with applicable banking laws and regulations; and upholds organizational integrity and business ethics. No supervisory responsibilities are assigned.

Requirements

Bachelor’s degree in Business Administration, Finance, Accounting, or a related field.
Formal credit training.
At least 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 as needed to perform essential job functions.
Ability to travel if required to perform essential job functions.
Ability to lift, move, or carry approximately 10 pounds if required to perform essential job functions.

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.
Identify client needs and offer appropriate bank products and services.
Manage complex, specialized, unique, sensitive, and high-profile accounts, negotiating credit pricing, terms, and structure within established guidelines.
Develop and execute a business development plan to achieve established goals and objectives.
Maintain a disciplined client contact schedule to promote 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 collection, credit risk analysis, transaction memos, structuring, indicative pricing, and term sheets.
Review and validate credit packages prepared by Portfolio Management/Underwriting partners during decisioning.
Coordinate loan closing with Portfolio Managers/Underwriters and outside counsel, prepare and negotiate commitment letters, and facilitate problem resolution.
Participate in credit underwriting and work with Portfolio Managers/Underwriters to assess credit risk and structure appropriate credit solutions.
Use the automated business development system to manage calling programs, schedule appointments, develop customer profiles and cross-sales opportunities, follow up with customers, and book new business.
Obtain appropriate credit approval and related documentation to maintain portfolio quality and yield.
Make commercial real estate loans of varying degrees of difficulty.
Maintain knowledge of bank products, services, credit standards, pricing parameters, business development programs, and automated systems; seek 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 other 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.