Commercial RE Portfolio Manager

Job Title: Commercial Real Estate Portfolio Manager
Reports to: Sr. Portfolio Manager, Commercial RE and Corporate Banking

Direct Reports: CRE Analysts

Salary Grade: 11

SUMMARY

A Commercial Real Estate Portfolio Manager provides credit administration and underwriting support while serving as the secondary contact on all managed relationships. The Commercial Real Estate Portfolio Manager is responsible for a wide range of duties including, but not limited to the following:

JOB REQUIREMENTS

• 4-year business degree with concentration in finance and/or accounting preferred
• 7-10 years of work experience in credit analysis, underwriting, policy proficiency, loan structuring, and portfolio management 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.

JOB FUNCTIONS

General:

• Work with CRE RMs to manage all aspects of the loan portfolio including annual reviews, past dues, financial reporting compliance, 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 CRE project, related entity, and personal 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 CRE Product and Markets
  • Prepare credit analysis packages
  • Make preliminary recommendations
  • Interact with senior executives in senior credit committee
• Communicate with Sponsors/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.
• Complete any special project work or other duties as assigned

Management:

• Build and manage a team of CRE Analysts that will focus on collecting, organizing, and spreading Borrower/Project, Guarantor, and other Project-related financials.
• Responsible for assisting and mentoring, developing, and supervising the CRE Analysts.
• Conducts regular coaching sessions/meetings to discuss goals & opportunities, policy & procedure changes, etc.
• Create relevant tracking & monitoring tools to aid CRE Analysts in fulfilling their job functions in an efficient way.
• Other duties as assigned.

SUPERVISORY RESPONSIBILITY

This position manages employees and is responsible for the coaching, development, and performance management of those employees.

WORK ENVIRONMENT

Location in UCB Footprint

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires less than 5% travel.

OTHER

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.

The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.