Commercial Real Estate Lending Relationship Manager

Commercial Real Estate Lending Relationship Manager

An instrumental member of the transaction execution team accountable for delivering finance solutions to sophisticated Commercial Real Estate borrowers.

• Represents the bank throughout the region in a manner aligned with the client’s aspiration to be the financial institution of choice and recognized as a top business leader in all of our markets.
• Primary responsible for guiding sales and business development efforts in the region; sales management efforts should include focus on loan growth, deposit growth, non-interest income growth and cross-functional referral activity to support all business objectives of the company.
• Accountable for overall profitability of all markets making up the region; includes accountability for pricing disciplines, net interest margin management, optimization of non-interest income, and operating efficiency within defined company targets.
• Principal responsible for representing the client bank’s culture of responsibility throughout the region with an emphasis on communication;

cultivation of employee recognition, engagement & teamwork; consistent performance management; and ongoing professional growth and development of associates.

• Meets or exceeds annual goals as pre-established that are aligned with the strategic plan.
• Meets or exceeds budgeted ROE, ROA, or other key metrics.
• Retains key senior team members, minimizing unwanted turnover.
• Embodies the aspirational standard for exceptional customer experience, as defined in the bank’s long-range strategic plan and sets the tone of this standard throughout the region;

this includes ownership of customer experience recovery associated with service complaints within the region.

• Has an acute familiarity with the most profitable customer relationships in each of the markets defined for the region.
• Tasked with full responsibility for cultivating high level of engagement of members of Local Advisory Boards of Directors as ambassadors for the bank in our communities;

may serve as the designated chair for all local advisory boards within the region; works with all region employees to ensure advisory board member performance is consistent with our expectations for advisors to be strong source of community influence and engagement in the markets and a source of new business referrals for the bank.

• Participates in all strategic planning activities and embraces ownership of appropriate strategic execution priorities as assigned.
• Expected to lead by example in alignment with the company’s Servant Leadership philosophy
• Will be expected to take responsibility to ensure that internal and external customers receive outstanding service.
• Will adhere to compliance with laws concerning financial institutions
• May be asked to perform other duties as required by business needs.
• The leader will be expected to keep current on trends and business conditions in the banking and market areas as assigned;

remain current on changes within the legal, regulatory, economic, competitive, and technology environments which may impact operations to the bank, and support adaptability to change which is imminent going forward.

• This executive may be asked to complete special assignments as directed by the President or CEO.
• Analyzing property cash flow statements, business operating statements, business tax returns and financial statements.

Must have a complete understanding of cash flow reports, financial ratios, trends, etc. Must be able to identify recurring and non-recurring sources of cash flow, the property’s ability to cover debt service and ability of client / guarantor to support the property.

• Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines
• Underwrite real estate credits and prepare credit memos for new loans as well as for renewals, modifications and short-term extensions.

This includes financial and risk analysis, purpose of loan, repayment sources, collateral, financial & reporting covenants, tenant analysis, and sponsor and project team summary.

Must be able to understand and review real estate documents (leases, loan documents, appraisals, etc.) to identify any potential issues and concerns.

Accounting / Finance,Banking / Insurance / Financial & Investment Services,Executive Management / Consulting,Agribusiness,Real Estate / Construction,Legal

Commercial Real Estate Lending Relationship Manager

• Bachelor degree in Economics, Business Administration, Accounting, Finance, Business Analytics, or related disciplines.
• Adequate work experience required.
• Strongly preferred experience in one but not all of the following areas : Commercial lending credit training and experience in corporate loan underwriting and portfolio management.

Other applicable deal transaction experience.

• Intellectually motivated by an entrepreneurial and deal driven environment.
• Robust financial analysis, research and business due diligence skills.
• Outstanding interpersonal skills.
• Working experience of finance & accounting, corporate finance concepts and methodologies.
• Self-motivated with a history of meeting and preferably exceeding goals.
• Robust analytical and written communication skills.
• Deeply skillful with financial modeling.
• Experience with and ability to use tools and techniques for collecting, collating and analyzing information on existing or potential markets in order to meet market needs.
• Expertise with the processes, techniques and requirements for official decision-making; ability to reach an agreement on and close transactions for real properties.
• Knowledge of and ability to utilize tools, techniques and practices for determining the credit-worthiness of an applicant.
• Expertise in the full spectrum of underwriting activities, practices, tools and considerations, and the capacity to utilize these to manage the underwriting process.
• Knowledge of real estate development; ability to manage different aspects of the real estate development function, including business development, methods of real estate, and operational processes.
• Knowledge of and ability to support an organization in adhering to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices.
• Familiarity with specializations, tools, practices and regulations within the real estate industry; ability to operate a real estate enterprise to achieve business success.
• Must possess an ability to utilize diverse data analysis processes, techniques and tools in order to analyze, interpret and manage property related data.
30+ days ago