Sr. Investment Officer CML Production

UNUM Group•Chattanooga, TN

63d

About The Position

This position is responsible for production of commercial mortgage loan investments, including origination and underwriting, on a national basis with specific coverage territories as agreed upon with the VP. The incumbent will work closely with legal and other team members, both in terms of underwriting new transactions and monitoring transactions within their portfolio in conjunction with the asset management function. There are no direct reports associated with this position at present, but from time to time this role might include one or more direct reports in the form of a more junior level loan officer and/or analyst; as such, this position could entail helping to train, develop, and mentor such individual(s).

Requirements

BA in business, real estate, finance, economics, or related field required.
10 years minimum work experience in commercial mortgage lending; solid knowledge of real estate finance, valuation and credit analysis, as well as real estate documentation
Computer skills, including Word, Excel; ability to learn new software
Strong negotiation skills
Ability to work independently within a team-oriented environment
Ability to travel regularly to meet with borrowers and review real estate
Solid written and verbal communication skills

Nice To Haves

Advanced degree or certification in related field, such as MBA, CFA, CPA, or JD preferred

Responsibilities

Generate, analyze, negotiate, structure, and commit commercial mortgage loans
Conduct detailed analysis and underwriting of potential mortgage transactions, specifically including underwriting of the real estate, income/expense stream, borrowing entity, and regional economic and market indicators.
Negotiate pricing to adequately cover the risk, while maximizing the spread
Develop and maintain deep network of correspondents and brokers.
Develop and maintain in-depth understanding of real estate market conditions, financial markets and trends as they relate to commercial mortgage loans.
Contribute information and analysis to aid portfolio timing and strategy relative to commercial mortgage investments.
Work with team members to assure data integrity in system on new deals
Prepare written analysis of proposed investments for review with management and present to Private Asset Committee.
Work with internal and external legal counsel on the structure of proposed and committed transactions, terms of loan documents and closing requirements.
Perform regional asset management for existing investments, including inspections, evaluations and review of risk ratings.
Work with AVP and team to monitor and manage loan portfolio and make recommendations with respect to modifications or amendment requests.

Benefits

Award-winning culture
Inclusion and diversity as a priority
Performance Based Incentive Plans
Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
Generous PTO (including paid time to volunteer!)
Up to 9.5% 401(k) employer contribution
Mental health support
Career advancement opportunities
Student loan repayment options
Tuition reimbursement
Flexible work environments