CRE Portfolio Manager I, II

The Commercial Portfolio Manager is responsible for collaborating with Commercial Relationship Managers on deal structure and underwriting efforts.  Prepares well written Loan Presentation and Deal Vetting Memoranda.  Monitors loan covenant compliance, exception reporting, past dues construction progress to ensure loan draws are funded and documented with occasional sites visits.  This role will also ensure timely reviews and renewals of commercial loans, regularly accompany the Commercial Relationship Manager on development calls, attend client meetings and Credit Committee, and cross sell bank products and services.

• Assessment of credit quality and proper risk rating for Commercial Real Estate loan portfolio
• Determination of data required for loan packages
• Portfolio management decisions
• Determination of which existing customers would be potential candidates for expanded services
• Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed.
• Monitors loan compliance covenant, exceptions, and past dues as well as monitors construction progress to ensure loan draws are funded and documented.
• Makes joint calls with the CRE Relationship Managers to gather information for the client; goes on follow up calls as needed.
• Solicits existing portfolio customers in an effort to increase and retain volume and cross sell Bank products and services. Promotes customer relations.

Level II additional responsibilities:

• Practice commercial loan portfolio management skills through expert practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed.
• Reviews and monitors loan compliance covenant, exceptions and past dues as well as monitors construction progress to ensure loan draws are funded and documented with the utmost accuracy.

• Bachelor’s degree in Business, Finance, and Accounting related field, or equivalent experience.
• Minimum of three years (3) of commercial lending/credit experience.
• Experience with real estate or commercial lending risk analysis
• Well-developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Detailed knowledge of credit analysis practice and procedure
• Familiarity with products and services offered by financial services institutions
• Excellent interpersonal skills
• Developed decision making
• Proven ability to build relationships
• Time management/organization skills
• Computer skills to include word processing and spreadsheet application
• Effective analytical skills
• Ability to interact with external and internal customers

Level II additional qualifications:

• Minimum of five years (5) of commercial or CRE lending/credit experience or equivalent capital markets/broker real estate experience.
• Experience with real estate or commercial lending risk analysis or capital markets real estate underwriting
• Institutional CRE experience preferred but not required.
• Strong oral and written communication skills
• Strong analytical skills

Physical Requirements/Working Conditions:  Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.