Investment Officer CML Production

Unum•Portland, ME

About The Position

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: Award-winning culture Inclusion and diversity as a priority Performance Based Incentive Plans Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability Generous PTO (including paid time to volunteer!) Up to 9.5% 401(k) employer contribution Mental health support Career advancement opportunities Student loan repayment options Tuition reimbursement Flexible work environments All the benefits listed above are subject to the terms of their individual Plans. And that’s just the beginning… With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! General Summary: General Summary This position is responsible for the production of commercial mortgage loan investments, including origination and underwriting, for a limited number of states as agreed upon with the AVP. The incumbent will work closely with legal and other team members, both in terms of underwriting new transactions and monitoring transactions within their portfolio in conjunction with the asset management function. The incumbent will have support from Investment Officers and the VP in loan pricing and complex loan negotiations.

Requirements

BA in business, real estate, finance, economics, or related field required.
5-6+ years work experience in commercial mortgage lending or equivalent relevant experience
Solid knowledge of real estate finance, valuation and credit analysis, as well as real estate documentation
Computer skills, including Word, Excel; ability to learn new software and utilize external quantitative tools that value corporate credit risk
Proven negotiation skills
Ability to work independently within a team-oriented environment
Ability to travel regularly to meet with borrowers and review real estate
Solid written and verbal communication skills
Ability to travel regularly to meet with borrowers and review real estate

Nice To Haves

Advanced degree or certification in related field, such as MBA, CFA, CPA, or JD preferred

Responsibilities

Conduct analysis and underwriting of potential mortgage transactions, specifically including underwriting of the real estate, income/expense stream, borrowing entity, and regional economic and market indicators.
With support from VP and Investment Officers, negotiate pricing to adequately cover the risk, while maximizing the spread; may also receive support from VP and Investment Officers for more complex loan negotiations.
Generate, analyze, negotiate, structure, and commit commercial mortgage loans in a limited territory.
Within limited territory, develop and maintain strong network of correspondents and brokers.
Develop and maintain understanding of real estate market conditions, financial markets and trends as they relate to commercial mortgage loans.
Contribute information and analysis to aid portfolio timing and strategy relative to commercial mortgage investments.
Work with team members to assure data integrity in system on new deals.
Independently prepare written analysis of proposed investments and present to Private Asset Committee.
Work with internal and external legal counsel on the structure of proposed and committed transactions, terms of loan documents and closing requirements
Perform regional asset management for existing investments, including inspections, evaluations and review of risk ratings.
Work with VP and Investment Officers to provide assistance in monitoring/managing loan portfolio and make recommendations with respect to modifications or amendment requests.

Benefits

Award-winning culture
Inclusion and diversity as a priority
Performance Based Incentive Plans
Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
Generous PTO (including paid time to volunteer!)
Up to 9.5% 401(k) employer contribution
Mental health support
Career advancement opportunities
Student loan repayment options
Tuition reimbursement
Flexible work environments