Senior Commercial Underwriter / Portfolio Manager (Commercial Real Estate)
Find Great People | FGP, Richmond, Virginia, United States, 23214
Our client, a well respected regional bank, is looking to add a
Senior Commercial Underwriter/Portfolio Manager
to their commercial real estate team. This a high performing team that needs someone who is experienced in commercial underwriting and has exposure to commercial real estate transactions.
SUMMARY/OBJECTIVES The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service.
ESSENTIAL FUNCTIONS
Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal loan requests and ongoing Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures.
Completes industry research, as needed, supporting existing and new customers to the bank.
Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool).
Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank.
Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.
Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing.
Properly grades risk of each loan in the assigned portfolio, per policy. Recommends adjustments to risk grades as circumstances change or new information becomes available.
Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank.
Ensures that all required documentation is in file for all loans and treasury management approvals. Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested.
Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.).
Undertakes special projects related to job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross‑training offered by the Bank.
Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans.
QUALIFICATIONS
At least 3‑5 years of commercial underwriting and portfolio management experience from a mid‑to‑large banking organization.
Experience supporting commercial real estate loans is strongly preferred.
Ability to have a high sense of urgency while maintaining attention to detail.
Must have strong written and verbal skills as well as the ability to build strong internal and external relationships.
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Senior Commercial Underwriter/Portfolio Manager
to their commercial real estate team. This a high performing team that needs someone who is experienced in commercial underwriting and has exposure to commercial real estate transactions.
SUMMARY/OBJECTIVES The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service.
ESSENTIAL FUNCTIONS
Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal loan requests and ongoing Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures.
Completes industry research, as needed, supporting existing and new customers to the bank.
Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool).
Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank.
Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.
Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing.
Properly grades risk of each loan in the assigned portfolio, per policy. Recommends adjustments to risk grades as circumstances change or new information becomes available.
Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank.
Ensures that all required documentation is in file for all loans and treasury management approvals. Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested.
Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.).
Undertakes special projects related to job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross‑training offered by the Bank.
Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans.
QUALIFICATIONS
At least 3‑5 years of commercial underwriting and portfolio management experience from a mid‑to‑large banking organization.
Experience supporting commercial real estate loans is strongly preferred.
Ability to have a high sense of urgency while maintaining attention to detail.
Must have strong written and verbal skills as well as the ability to build strong internal and external relationships.
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