CRE Portfolio Manager - Remote

The CRE Portfolio Manager is experienced in commercial credit analysis and will be responsible for assisting in the review and monitoring of commercial real estate loans to help Optum Bank build, maintain, and accurately risk grade its strong commercial credit portfolio. This will involve working closely with other portfolio managers, analysts, underwriters, and credit administration.

You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities

Underwrite and document loan modification requests and annual loan reviews on existing commercial real estate loans

Prepare clear and concise credit presentations for annual reviews, including financial analysis, collateral assessment, risk and mitigant identification, and recommendations for current risk rating

Spread borrower and guarantor financial statements, test and monitor financial covenants, perform collateral analysis, and prepare market assessments

Update loan metrics and risk ratings accurately and timely

May also occasionally perform credit underwriting on new requests by creating credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies

Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function

Ensure that loan files and documentation are complete

Make, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communication

Develop and maintain positive relationships with internal and external clients

Assist with timely reporting and analysis of financial information collected from borrowers

Required Qualifications

2+ years of experience analyzing commercial property rent rolls and financial statements

2+ years of experience managing a portfolio of commercial loans, including non-owner occupied commercial real estate loans

2+ years of experience analyzing business and personal financial statements associated with loan requests

Experience with commercial real estate financing, loan documentation, lending laws, portfolio monitoring, and loan servicing

Preferred Qualifications

Bachelor's degree in Finance, Accounting, Business, or Economics from an accredited institution

Completion of a formal commercial credit training program

Experience managing watch list loans and working out problem loans

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable.

UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group is a drug‑free workplace. Candidates are required to pass a drug test before beginning employment.

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