VP, CRE Portfolio Manager

Tradition Capital Bank•Edina, MN

15h•$125,000 - $175,000

About The Position

The VP, Commercial Real Estate Portfolio Manager is responsible for maintaining and growing a portfolio of profitable loan and deposit client relationships. This position works collaboratively across credit, coordinator, and loan administration teams to identify opportunities for enhanced client service and efficiencies and ensures the accurate and timely processing of loans consistent with the Bank’s loan policy and our Client Service Standards.

Requirements

A role model for our core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Back
Demonstrates commitment to defect free, timely, and caring client service
Able to perform at a high level in a fast-paced environment
Flexible to change in a growing organization
Detail oriented
Strong knowledge of financial statements and solid foundation in credit analysis
Excellent verbal and written communication skills
Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
An independent, quick learner
Able to prioritize and manage multiple projects/tasks
Demonstrates a collaborative work style and respect for others
Demonstrates self-motivation and strong work ethic
Understands credit risk and mitigates the bank’s loan loss exposure; demonstrates sound risk management decisions
Demonstrates compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as applicable.
A Bachelor’s degree from a College or University; 7-10 years of experience in commercial lending (Commercial Real Estate) or equivalent combination of education and experience.

Responsibilities

Relationship Management: Proactively manages a portfolio of loan and deposit clients and bank prospects. Intentionally and regularly communicates with clients to build strong relationships that ensure client engagement, satisfaction, and retention. Practiced tactical correspondence with clients, including deliberate follow-up via letters, e-mail, and phone are expected from this role to ensure collection of essential information to support monitoring of the loan portfolio, including credit reviews.
Underwriting and Financial Analysis: Collaborates with the credit team to produce timely, accurate and defect free credit presentations that successfully analyze the sources of repayment, using a risk-based approach. Work product includes: Historical and projected business, personal cash flow, global cash flow, collateral analysis of real and personal property, analysis of economic and competitive environment of the borrower and/or industry, recommending appropriate covenants, monitoring, and other structural and risk mitigating components of the credit accommodations.
Credit Administration: Responsible for the periodic review of borrower reporting and ongoing account monitoring to maintain compliance with reporting requirements and covenants. Updates ticklers and ensures the electronic credit files are current and accurate. Operates both independently and in collaboration with senior managers for credit decisions (as deemed necessary by size and complexity of client relationship).
Documentation: Sufficient experience with the commercial real estate loan process to coordinate accurate documentation of all components of the approved credit accommodation, including perfection of collateral. Collaborates with more senior Relationship Managers on larger, more complex credits and structures.
Production Results: Consistently achieves results by meeting or exceeding assigned production goals and metrics (deposits, fees, and loans). Cultivates existing client relationships to expand their banking relationship and source referrals for new client opportunities.
Collaboration: May partner with novice/junior production team members on calls and closings to develop the team’s skills in sales, analytical skills, and decision-making techniques needed to build relationships. Works collaboratively across credit, coordinator, and loan administration teams to identify opportunities for enhanced client service and efficiencies.

Benefits

Healthcare (medical with HSA, dental, and voluntary vision)
Short-term and long-term disability
Basic and voluntary life & AD&D insurance
EAP – Employee Assistance Program
Flexible spending accounts
401(k) with employer match; ability to purchase Bank stock through 401k
Paid time off & paid holidays
Family Care Reimbursement (up to $500 annually for 2025)
Wellness Time (up to 2 hours/week)
Keystone employee directed giving opportunities (annual Insight Trip opportunities, up to $500 for grants and double match dollars)