This position reports to: John Berghorst, Chief Lending Officer, Commercial Real Estate
Basic Function
Originate and manage client relationships, underwriteloansand complete financial analysis, prepare loan proposals and commercial loan applications forself andsenior relationship managers of the Commercial Real Estate Lending department.
Essential Duties
Originate andmanage client relationships
Develop new prospects, manage and grow a portfolio of existing real estate relationships
Identifyand execute on a variety of real estate transactions including multifamily, industrial, office and commercial construction loans
Maintain and manage a portfolio, with ability to build relationships with existing and prospective clients focusing on revenue growth, fee income,depositsand cross-selling services
Respondto client inquiries
As needed, request and gather updated financial and operating information, perform financialanalysisand confirmloan gradesor recommend changes based on the analysis.
Updatepaper and/or electronicclientloan files
Work with Loan Operations, DepositOperationsand business bankers to meet clients' banking needs.
Approvedrawrequests
Monitor and address past due loans and overdrawn deposit accounts
Reviewinformation on market trends in commercial real estate
Underwrite and close commercial real estate loans
With senior relationship managers, interview clients and prospectsregardingcredit and service needs.
Perform site inspections, prepare corresponding site inspectionmemosand enter the memos into the CRE site inspection tracking file.
Review appraisals and other third-party reports including credit inquiries.
Evaluate financial and operating information including property level cash flows and guarantor financial information.
Prepare loan proposal letters and commercial loan applicationsfor self and senior relationship managers.
Work with Loan Operations and/or attorneys to generate and review loan documents and coordinate loan closings to include tracking progress against the checklists and gathering requisite documents to share with the Loan Closer.
3. Additional Departmental duties:
Attend department meetings
Attend Management Loan Committee and Director's Loan Committee meetings as needed
Attend Officers' meetings
Reviewinformation on market trends in commercial real estate
Maintain familiarity with underwriting and Loan Policy guidelines
Attend training asrequired
4. Participate in CRA activities which require a minimum of 12 hours of volunteering annually.
Nonessential Duties
Other duties as assigned
Basic Function
Originate and manage client relationships, underwriteloansand complete financial analysis, prepare loan proposals and commercial loan applications forself andsenior relationship managers of the Commercial Real Estate Lending department.
Essential Duties
Originate andmanage client relationships
Develop new prospects, manage and grow a portfolio of existing real estate relationships
Identifyand execute on a variety of real estate transactions including multifamily, industrial, office and commercial construction loans
Maintain and manage a portfolio, with ability to build relationships with existing and prospective clients focusing on revenue growth, fee income,depositsand cross-selling services
Respondto client inquiries
As needed, request and gather updated financial and operating information, perform financialanalysisand confirmloan gradesor recommend changes based on the analysis.
Updatepaper and/or electronicclientloan files
Work with Loan Operations, DepositOperationsand business bankers to meet clients' banking needs.
Approvedrawrequests
Monitor and address past due loans and overdrawn deposit accounts
Reviewinformation on market trends in commercial real estate
Underwrite and close commercial real estate loans
With senior relationship managers, interview clients and prospectsregardingcredit and service needs.
Perform site inspections, prepare corresponding site inspectionmemosand enter the memos into the CRE site inspection tracking file.
Review appraisals and other third-party reports including credit inquiries.
Evaluate financial and operating information including property level cash flows and guarantor financial information.
Prepare loan proposal letters and commercial loan applicationsfor self and senior relationship managers.
Work with Loan Operations and/or attorneys to generate and review loan documents and coordinate loan closings to include tracking progress against the checklists and gathering requisite documents to share with the Loan Closer.
3. Additional Departmental duties:
Attend department meetings
Attend Management Loan Committee and Director's Loan Committee meetings as needed
Attend Officers' meetings
Reviewinformation on market trends in commercial real estate
Maintain familiarity with underwriting and Loan Policy guidelines
Attend training asrequired
4. Participate in CRA activities which require a minimum of 12 hours of volunteering annually.
Nonessential Duties
Other duties as assigned