CRE Relationship Manager II
About The Position
The Commercial Real Estate Relationship Manager II develops new business through sales efforts and manages a complex commercial real estate loan and deposit portfolio while providing superior client service. The role analyzes financial information to evaluate the creditworthiness of loan requests, prepares complete and accurate loan packages, and sells or cross-sells bank products and services. It ensures lending activity complies with applicable state and federal regulations and bank policies. Success is measured by calling activity, proposal and revenue generation, and risk mitigation, as well as the ability to build effective internal and external relationships. The position serves commercial real estate clients in a designated South State market, developing consultative relationships and coordinating loan and deposit requests through the appropriate channels. It collaborates with colleagues across Treasury Management, Capital Markets, Wealth, Retail, and Credit; underwrites and services loans; and manages documentation, compliance, pricing, and portfolio risk grading. The role also resolves client inquiries, supports existing clients, and builds positive community relationships that enhance the Bank’s reputation. The position is based in a private office at 1325 Hendricks Ave, Jacksonville, Florida 32207, and may require occasional travel. It involves substantial computer use and may be performed sitting or standing with an appropriate desk. Reasonable accommodations may be made for individuals with disabilities.
Requirements
- Bachelor’s degree in business, finance, banking, or a related field.
- At least 10 years of commercial real estate lending and/or portfolio management experience.
- Experience with loan structuring and credit analysis.
- Extensive knowledge of Bank products, services, procedures, and practices.
- In-depth knowledge of federal and state lending regulations and Bank lending policies and procedures.
- Deep knowledge of construction loan servicing, permanent loan requirements, exit strategies, tenant analysis, CRE market research, construction costs, appraisal analysis, and lease reviews.
- Well-developed sales, interpersonal, and negotiating skills.
- Excellent written and verbal communication skills.
- Basic accounting and credit skills.
- Attention to detail and the ability to prioritize complex work assignments.
- Analytical skills and the ability to evaluate creditworthiness.
- Proficiency with basic office equipment, especially calculators and computers, and with Microsoft Word, Excel, and Outlook.
- Ability to access and interpret information on computer screens, documents, and reports.
Nice To Haves
- Graduation from a recognized school of banking.
- Familiarity with the local business community.
Responsibilities
- Participate in a business development plan to grow the commercial real estate loan and deposit portfolio in a designated South State market.
- Develop consultative relationships with prospects and clients and deliver appropriate banking solutions.
- Manage the flow of loan and deposit requests through appropriate channels, balancing credit quality, responsiveness, structure, pricing, client needs, and the Bank’s operating objectives.
- Collaborate with Treasury Management Sales Officers, Capital Markets, Wealth, Retail, and Credit.
- Underwrite loan requests within Bank policies and procedures and submit accurate, complete loan packages to the appropriate Credit partner for approval.
- Manage and service the assigned loan portfolio.
- Ensure required documentation is on file for loans and deposits and resolve documentation or compliance deficiencies identified by Loan and Deposit Operations or other reviewers.
- Partner with Credit to assign appropriate risk grades to loans and update grades as circumstances or information change.
- Price loan and deposit products according to current Bank guidelines and document circumstances supporting departures from approved pricing regulations.
- Demonstrate commitment to fair lending practices and comply with applicable laws, regulations, Bank policies, and procedures.
- Resolve client problems and general inquiries and provide superior service to existing clients.
- Build and maintain positive relationships with centers of influence and others in the community to enhance the Bank’s image and reputation.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
