Portfolio Manager - Commercial Real Estate Credit Delivery

Truist•Atlanta, GA

About The Position

Responsible for financial analysis, risk assessment, and credit structure recommendations for Commercial Real Estate clients and prospects. The role includes prudent underwriting and effective credit and risk administration, with emphasis on adherence to credit policy and requirements, financial analysis and modeling, risk evaluation, ongoing portfolio maintenance, and client support. The Portfolio Manager collaborates with Relationship Managers to identify creditworthy projects in targeted markets and help prioritize relationship calling strategies. The role also uses research and evaluations from varied sources to assess client, competitor, property segment, market, and industry risks and trends. The Portfolio Manager leads diligence and underwriting documentation for the most complex and larger credit relationships, prepares credit presentations and leads discussions with Credit Officers and other final approvers, and coordinates legal documentation through closing and funding. The role monitors loan documentation for consistency with approvals, analyzes financial statements and projections, tracks client performance and credit risks and mitigants, oversees portfolio performance, ensures credit process metrics and compliance requirements are met, manages the assigned portfolio pipeline, and serves as a client and internal point of contact. The position also provides real estate underwriting expertise and mentors Analysts and Associates.

Requirements

Bachelor's degree in Finance, Accounting, Economics, or Business, or an equivalent combination of education and work experience.
Excellent verbal and written communication skills.
Proficiency in basic computer applications, such as Microsoft Office software products.
Strong analytical and problem-solving skills.
Knowledge of credit principles.
Ability to handle multiple priorities under time constraints.
Demonstrated success working in a collaborative team environment.

Nice To Haves

5+ years of portfolio management and client relationship experience.
Intermediate knowledge of ARGUS software and use of third-party real estate data sources such as CoStar, REIS, and Axiometrics.
Completion of a commercial associate program or equivalent experience; an MBA in Accounting, Finance, or a related field; or an equivalent combination of education and experience or another related advanced degree.

Responsibilities

Lead diligence and underwriting documentation for the most complex and larger credit relationships.
Lead credit presentation preparation and discussions with Credit Officers and other final approvers, and coordinate legal documentation through closing and funding.
Ensure loan agreements conform to approval documents; identify potential issues in loan documentation and address them in consultation with the Relationship Manager.
Analyze financial statements and projections and document client performance, identified risks, and risk mitigants for the most complex credits.
Oversee credit relationship and project performance and monitoring, including portfolio management and awareness of industry and market trends.
Manage the assigned portfolio by monitoring performance and trends.
Ensure Credit Process Metrics remain within prescribed tolerances and manage risk evaluation and associated compliance requirements for the assigned portfolio and prospects; identify issues and follow through on remediation.
Manage the portfolio pipeline so requests are completed in a timely manner and client needs are met.
Serve as a client and internal point of contact for the assigned portfolio, potentially including site visits or visits with client management teams.
Serve as a source of real estate underwriting knowledge and expertise, including understanding current industry and market trends.
Mentor and coach Analysts and Associates.
Collaborate with Relationship Managers to identify creditworthy projects in targeted markets and assist with prioritizing relationship calling strategies.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Accidental death and dismemberment coverage
Tax-preferred savings accounts
401(k) plan
At least 10 days of vacation in the first year, prorated as applicable
10 sick days, prorated as applicable
Paid holidays
Depending on position and division, the role may be eligible for a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.