Portfolio Manager - Commercial Real Estate Credit Delivery

Truist Bank•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. Research and evaluations from a wide variety of sources inform assessments of client, competitor, property segment, market, and industry risks and trends. The role leads diligence and underwriting documentation for the most complex and larger credit relationships, prepares and presents credit materials to Credit Officers and other final approvers, and coordinates legal documentation through closing and funding. It monitors assigned portfolios and project performance, manages requests through completion, supports clients and internal stakeholders, and provides real estate underwriting expertise. The position also mentors and coaches 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.
Demonstrated proficiency with 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

Five or more years of portfolio management and client relationship experience.
Intermediate knowledge of ARGUS software and 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; 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 the Credit Officer and other final approvers.
Coordinate legal documentation efforts through closing and funding.
Ensure loan agreements conform to approval documents; identify potential documentation issues and address them in consultation with the Relationship Manager.
Analyze financial statements and projections, document client performance, and identify risks and mitigants for 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 assigned portfolio and prospects.
Identify issues and follow through on remediation.
Manage the assigned portfolio pipeline so requests are completed promptly and client needs are met.
Serve as a client and internal point of contact for the assigned portfolio, which may include site visits or visits with client management teams.
Provide real estate underwriting knowledge and expertise, including awareness of current industry and market trends.
Mentor and coach Analysts and Associates.
Collaborate with the Relationship Manager to identify creditworthy projects in targeted markets and prioritize relationship-calling strategies.
Research and evaluate information from a wide variety of sources to assess client, competitor, property segment, market, and industry risks and trends.

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 during the first year, prorated based on hire date and full-time or part-time status
10 sick days, prorated
Paid holidays
Depending on position and division, the job may also be eligible for a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.