VP, Portfolio Relationship Manager, CRE
About The Position
Responsible for providing financial, credit, and trend analysis to deliver the Bank’s credit products and services to middle-market and other business clients and prospects. The role monitors assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration; conducts regular loan reviews and identifies potential risk-rating changes; and keeps apprised of industry, political, and regulatory issues that may affect clients or industries. Working independently from sales teams, the position structures and evaluates credit requests, determines borrower creditworthiness, and recommends credit decisions to Credit Administration. All duties must be performed in accordance with Company policies and procedures and applicable U.S. state and federal laws and regulations. The position serves as the primary credit point of contact for borrowers and supports day-to-day portfolio management. It evaluates borrower requests, monitors financial and operational performance, prepares risk reviews and credit memoranda, and provides guidance and development support to team members.
Requirements
- Bachelor’s degree in accounting, finance, economics, or a related field, and/or 5+ years of relevant lending or portfolio management experience.
- Strong working knowledge of real estate lending.
- Solid understanding of commercial lending fundamentals, including cash flow analysis, financial analysis, and loan structuring.
- Strong working knowledge of bank credit policies, portfolio management practices, and risk management standards.
- Ability to interpret and work with complex loan documentation and collateral perfection requirements.
- Proficiency in Microsoft Office applications, including Word, Excel, PowerPoint, and Outlook.
- Strong organizational and time management skills, with the ability to manage competing priorities.
- Excellent oral, written, and interpersonal communication skills, including clear and effective analytical writing.
- Ability to understand, explain, and evaluate financial calculations and pricing alternatives.
- Ability to deliver informal and formal presentations to internal teams, management, and external partners as needed.
- High school diploma or equivalent required.
Nice To Haves
- Preference for construction and bridge lending experience.
Responsibilities
- Serve as the primary credit point of contact for borrowers and maintain ongoing relationship engagement.
- Review and interpret loan agreements, guarantees, and other credit documentation.
- Review, approve, and process loan advance requests in collaboration with the Loan Servicing team.
- Review and approve monthly loan statements and related reporting.
- Monitor performance against expected timing on project loans to assess interest reserve adequacy.
- Collect periodic financial reporting and prepare and monitor financial and operational trends.
- Analyze ongoing compliance with reporting and performance covenants and recommend actions as needed.
- Prepare quarterly risk reviews and portfolio assessments.
- Evaluate borrower requests, including amendments, waivers, and term extensions, and prepare summary credit memoranda with recommended actions.
- Manage analysis, reporting, and credit recommendations for classified (non-workout) loans.
- Provide guidance and oversight through employee performance evaluations, goal setting, and ongoing feedback.
- Support, coach, and develop team members as part of day-to-day portfolio management.
- Follow all established policies and procedures.
- Perform other duties and projects as assigned.
- Provide financial, credit, and trend analysis for the delivery of the Bank’s credit products and services.
- Monitor assigned credit relationships for covenant compliance, collateral monitoring, and credit deterioration; conduct regular loan reviews and identify risk-rating changes.
- Assess the impact of industry-related, political, and regulatory issues on specific industries or clients.
- Independently structure and evaluate credit requests, determine borrower creditworthiness, and recommend credit decisions to Credit Administration.
Benefits
- 401(k) plan with company match and immediate vesting.
- Comprehensive insurance options, including medical, dental, vision, AD&D, supplemental life, and long-term disability.
- Pre-tax Health Savings Account with employer contributions.
- Pre-tax Flexible Spending Account (FSA).
- Adoption, surrogacy, and fertility assistance.
- Paid parental leave and family support solutions, including care options for family.
- Paid vacation days, holidays, and volunteer time off for eligible team members.
- Tuition reimbursement.
- Annual mentorship program.
- Leadership development resources.
- Access to LinkedIn Learning.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
