Relationship Manager Sr - Real Estate Group
About The Position
This role will be engaged in non owner occupied commercial real estate (CRE) lending including construction loans, interim loans, permanent loans, and refinancing of real estate loans. This officer will not immediately have loan production goals. Serve as an expert on CRE loans for the market. As loan opportunities are presented underwrite the collateral property, market and guarantor; structure the loan; prepare the loan approval package; present the request to loan committee for consideration; and negotiate and document the loan in conjunction with the assigned Loan Closing Coordinator and outside legal counsel (as applicable). Oversight of a portfolio of CRE loans, which includes the following responsibilities: In conjunction with the Construction Loan Disbursement Group, review monthly construction loan draw requests to ensure construction remains on budget and on schedule; In conjunction with the assigned REG Portfolio Manager, monitor the collateral property performance to ensure absorption, operating performance, etc meet covenant requirements and are consistent with the approval and appraisal assumptions; In conjunction with the assigned REG Portfolio Manager, prepare renewals, modifications (as applicable) and annual reviews of the loans In conjunction with the assigned REG Portfolio Manager, perform regular reviews of property and guarantor financial condition to ensure the highest credit quality as well as the continued appropriateness of the risk rating. Recommend risk rating adjustments as needed. Other duties as assigned.
Requirements
- Bachelor's degree or equivalent experience in related field
- 7+ years Commercial Real Estate lending and underwriting experience
- Demonstrates expert knowledge of CRE credit and underwriting
- Demonstrates strong attention to detail
- Demonstrates strong knowledge of bank products, services, and bank operations
- Demonstrates ability to be self starter and show initiative
- Demonstrates excellent communication skills (verbal & written)
- Demonstrates ability to prospect and network at various levels within the company
- Demonstrates strong connectivity with local commercial real estate development network
- Demonstrates ability to manage time and projects effectively
- Demonstrates proficiency in Word, Excel, PowerPoint
Responsibilities
- Underwrite the collateral property, market and guarantor
- Structure the loan
- Prepare the loan approval package
- Present the request to loan committee for consideration
- Negotiate and document the loan in conjunction with the assigned Loan Closing Coordinator and outside legal counsel (as applicable)
- Review monthly construction loan draw requests to ensure construction remains on budget and on schedule
- Monitor the collateral property performance to ensure absorption, operating performance, etc meet covenant requirements and are consistent with the approval and appraisal assumptions
- Prepare renewals, modifications (as applicable) and annual reviews of the loans
- Perform regular reviews of property and guarantor financial condition to ensure the highest credit quality as well as the continued appropriateness of the risk rating
- Recommend risk rating adjustments as needed
- Other duties as assigned
Benefits
- Paid Time Off
- a 401(k) matching program
- annual incentive pay
- paid holidays
- a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
- health savings, flexible spending, and dependent care accounts
- adoption assistance
- an employee assistance program
- fitness reimbursement
- tuition reimbursement
- an associate wellbeing program
- an associate emergency fund
- various associate banking benefits
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
1,001-5,000 employees
