Commercial RE Portfolio Specialist

Overview

The Commercial Real Estate Portfolio Specialist provides credit administration and underwriting support for a portfolio of commercial real estate relationships. This role partners closely with Relationship Managers and Credit Leadership and serves as the secondary point of contact for assigned client relationships. The ideal candidate brings strong credit judgment, financial analysis skills, and the ability to manage multiple priorities in a regulated banking environment.

• Work with corporate banking RMs to manage all aspects of the loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
• Actively participate and assist in all aspects of the loan process including joint calling, underwriting and preparation of credit approval packages
• Serve as secondary contact on client relationships
• Review loan documents
• Must be able to spread, analyze, and interpret businesses and financial statements
• Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
• Will make calls on companies, sponsors and investment bankers with senior bankers
• Serves as the initial deal screen to determine loan viability –
• Research company and industry
• Prepare credit analysis packages
• Make preliminary recommendations
• Interact with senior executives in senior credit committee
• Communicate with corporate borrowers to obtain pertinent information for rendering recommendations
• Address compliance issues with management and customers; evaluate and recommend changes to covenants, pricing, credit agreement terms, etc.

• 4-year business degree with concentration in finance and/or accounting preferred
• 5-7 years of work experience in credit analysis and underwriting preferred
• Experience as a lender/relationship manager preferred
• Must possess a proficient knowledge of credit policy and loan documentation issues
• Must possess a knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
• Must have excellent verbal and written communication skills
• Must be able to write clearly, concisely and efficiently
• Must understand and work effectively within the credit culture of the company
• Must allocate time effectively and prioritize work to meet timelines
• Must have experience spreading financial statements utilizing Moody’s or Baker Hill
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

• Must be able to pass a criminal background & credit check
• This is a full-time, non-remote position

FLSA Status: Exempt

Ready to take your career to the next level? Apply now and become a vital part of our team!

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.