CRE Portfolio Manager

Hancock Whitney Bank•Dallas, TX

About The Position

Responsible for evaluating, recommending approval or declining, basic routine and low dollar amount commercial real estate loan applications in a timely manner and according to business and bank standards. Performs portfolio management duties such as tracking loan compliance, past dues, collateral monitoring, risk rating migration, and completing renewals/reviews. Expected Number of Portfolio Accounts: 5-10. Portfolio Commitments: $25MM - $50MM.

Requirements

Bachelor’s degree in Business Administration, Finance, Accounting, or a related field; Master's degree preferred
1-3 years of credit analysis experience and working with Commercial Real Estate Portfolio Managers and Relationship Managers.
Successful completion of formal commercial credit training program is preferred.
Experience assisting Senior Bank Officers with a variety of low to intermediate level credits.
Basic knowledge of commercial and retail lending services, documentation, underwriting and regulatory guidelines.
Requisite understanding of financial ratios and business principles.
Knowledge of credit analysis and lending functions.
Working knowledge of all bank products and services.
Ability to use sound logic to solve problems with effective solutions.
Ability to interpret personal and business tax returns and financial statements.
Ability to calculate financial ratios and apply basic business principles
Ability to work under stress and meet deadlines
Ability to operate related equipment to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to travel if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions.

Responsibilities

Under close and direct supervision from a Senior CRE Portfolio Manager, completes financial statement spreads.
Analyzes financial statements including footnotes.
Completes due diligence process by ordering reports.
Teams with Senior CRE Portfolio Managers and CRE Relationship Managers to provide support as needed to help develop the structure and pricing of a transaction.
Prepares credit approval package that clearly outlines and expresses a reasoned opinion on key considerations in the credit decision.
Conducts company, industry, and market analyses to further assess borrower and/or tenant credit quality.
Performs market and industry analyses to understand macroeconomic and industry drivers.
Monitors documentation process and approves all legal documents.
Reviews and approves all legal documents, whether internally or externally prepared, to ensure accuracy and completion in accordance with loan approval.
Works with CRE Staff Inspector and CRE Construction Loan Administrator in obtaining and reviewing construction loan documentation (construction contract, architect’s contract, final plans and specifications, final cost breakdown/schedule of values, construction disbursement schedule).
Reviews draw requests (AIA G702 form) and coordinates property inspection and certification of draw by Bank’s Staff Inspector.
Underwrites extensions, modifications, and renewals, including performing and reviewing financial analyses and updating the borrower’s credit file.
Tracks and resolves document exceptions related to closing and ongoing exceptions.
Monitors credit status and quality of loans on a regularly scheduled basis, including assessment of current risk rating.
Tests project performance against original underwriting and appraisal projections upon receipt of required reporting information (i.e., monthly, quarterly, semi-annual, or annual operating statements, leasing reports/rent rolls, etc.).
Performs annual, quarterly, or more frequent reviews (depending on the risk rating and type of project) to assess project performance and risks associated with the project, borrower, and guarantors
Obtains market and industry information.
Provides general support to CRE Portfolio Managers and CRE Relationship Managers.
Serves in civic, community, and industry activities as needed.
Keeps informed of current economic conditions and legislation which may affect customer relationships and the CRE Line of Business.
Performs other related job duties and special projects as assigned.
Complies with all applicable federal, state, and local banking and industry related laws and regulations including, but not limited to, the Bank Secrecy Act
Demonstrates organizational integrity and business ethics as it relates to this position, and communicates this commitment to any applicable subordinates.
Secures and safeguards all customer information according to bank guidelines, including cash, customer account data, and other sensitive information.