Real Estate Relationship Manager I

Penn Community Bank•Allentown, PA

1d•Hybrid

About The Position

The Real Estate Relationship Manager I is responsible for developing new business relationships and managing a portfolio of existing clients. This role involves originating loans, managing loan quality, overseeing loan administration, and cross-selling other bank products and services. The position requires a strong understanding of commercial lending, particularly in real estate and construction, as well as excellent communication and organizational skills. The role operates in a traditional office environment with the flexibility of hybrid remote work and requires local travel for client visits.

Requirements

Bachelor’s degree from four-year college or university
Commercial Credit Training
Minimum of 1 year of experience in commercial lending
Comprehensive knowledge of real estate related commercial lending, including construction lending
Solid understanding of underwriting and credit
Good verbal and written communication skills
Satisfactory knowledge of loan documentation
Good organizational and time management skills; the ability to prioritize tasks
Thorough knowledge of products and services offered by the Bank
Working knowledge of Microsoft Outlook, Excel, and Word
Ability to remain calm and efficient under pressure to meet requirements and deadlines
Must have reliable transportation and be able to drive and execute the physical tasks associated with outside sales calls.

Responsibilities

Develop sales leads from existing clients, referral sources, and Bank Management to attain new business relationships and product sales.
Manage a loan portfolio of existing clients, monitor loan quality, and be responsible for all aspects of loan administration, including financial information receipt, risk rating updates, and timely renewals/reviews.
Oversee and ensure accuracy of construction loans within the portfolio, monitoring project progress and performance.
Interview applicants and request necessary information for loan applications.
Oversee and ensure accuracy and performance of loan administration and processes, including application receipt, compliance, completeness of loan packages, and timely processing, funding, and closing.
Request applicant credit reports, background checks, reference checks, and other pertinent information.
Analyze applicant financial status, credit, banking status, and other information to determine loan feasibility.
Compile loan packages and facilitate negotiation of loan structure with applicants, including fees, repayment options, and credit terms.
Present loans to appropriate approving authority or Loan Committee for approval.
Call and visit customers, prospects, and referral sources to promote and sell all Bank products and services.
Respond to customer information requests or inquiries involving small business loans.
Provide loan data to support marketing and sales promotion programs.
Promote and cross-sell other Bank products and services, such as deposit services, other loan services, Cash Management, Insurance, and/or Wealth Management.
Comply with all applicable regulations and Bank policies regarding employment and employment law.
Participate in annual compliance and other job-related training.
Comply with applicable bank regulations, Bank policies and procedures.
Comply with Bank’s internal privacy and ethics standards.