Senior Investment Analyst

Unum•Portland, ME

16h•Hybrid

About The Position

This role is a technical specialist in CML investing and supports the production and management of commercial mortgage loan investments. Responsibilities vary by analyst and include independently: (a) reviewing loan submission packages, researching/ analyzing market data, and underwriting mortgage loans; (b) preparing loan applications (c) closing loans and allocating work among analysts; (d) reviewing and valuing loans in the portfolio; (e) actively managing the mortgage loan portfolio; and (f) managing the REO and equity portfolio. A senior investment analyst’s responsibilities may include reporting, management and training of more junior analysts, presentation of loans to the production team, and presentation of loans to the Private Asset Committee. Will serve on and lead special projects and/or reporting functions. This role will be expected to train, mentor, coach and develop lower level CML analysts.

Requirements

BA or BS in business, finance or related field
4 to 6+ years minimum experience in the commercial real estate and commercial mortgage industry
Demonstrated strong knowledge of Unum’s investment portfolio
Strong computer/technology skills including Word, Excel, Argus and Crystal Reports; ability to learn new software
Ability to work independently within a team-oriented environment
Strong written and verbal communication and math skills
Strong financial management experience/ability
Strong independent analysis/decision making ability
Ability to effectively coach and mentor others

Responsibilities

Serve as a team lead to other analysts by monitoring pipeline of new loan applications to allocate loan closings and distribute workload among the team.
Support AVP and Investment Officer(s) with in-depth market research, initial loan submission and underwriting analysis, participation in production team meetings, negotiation and drafting and presentation of Private Asset Committee Memorandum.
Coordinate and manage closing process of new loans including draft preparation of loan applications, collection of fees, review of non-legal documents, lease and financial analysis, timely data input and effective communication with internal and external clients.
Manage existing mortgage loan portfolio including analysis of loan documents, loan valuations, lease analysis and recommendations, additional collateral reserve accounts and other asset management issues.
Independent analysis of annual property operating statements and revaluation of individual loans.
Monitor loan defaults and problem loans including coordination of third-party reports, assistance in preparation/negotiation of management, leasing and listing agreements with third party firms, rent/payment collection, and internal loan reporting.
Assist in management of owned investment real estate properties to maximize returns in leasing, budgeting, operations and sales, working closely with local third-party property managers.
Stay up to date on external commercial real estate trends and routinely share findings with the team to contribute to ongoing development of other analysts.
Preparation of monthly, quarterly, annual and ad-hoc portfolio reporting for various internal and external purposes (the latter of which includes MBA, audit, CREF, FHLB, CECL, special projects).
Administration of loan and real estate management systems, including training, reporting, process review/improvements, testing/coordination of annual upgrades with internal resources and external vendors.
Back up for team members.
Assist other investment areas with related real estate issues, as needed.
May perform other duties as assigned.