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The Relationship Manager II-Commercial Real Estate manages commercial real estate loan relationships and generates new business development and relationships that will produce revenue from companies, sponsors, developers and businesses. Generates deal flow directly from these clients/prospects and orchestrating a team approach to the relationship. The position is supported by product specialists, portfolio managers (credit, underwriting, transaction approvals/processing) and operational support specialists but remains accountable for all aspects of the relationship. Responsible for the origination, negotiation, structuring, pricing, underwriting, and closing of loans. Manages a moderately complex commercial loan portfolio ensuring the highest loan quality for the organization with minimal risk. Manages the on-going monitoring of portfolio quality and ensures compliance with applicable laws, regulations and guidelines.
Job Responsibility:
Manages commercial real estate loan relationships
Generates new business development and relationships that will produce revenue
Generates deal flow directly from clients/prospects
Orchestrates a team approach to the relationship
Responsible for the origination, negotiation, structuring, pricing, underwriting, and closing of loans
Manages a moderately complex commercial loan portfolio ensuring the highest loan quality for the organization with minimal risk
Manages the on-going monitoring of portfolio quality and ensures compliance with applicable laws, regulations and guidelines
New Business Origination: Develops and maintains relationships to generate direct deal flow
Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
Relationship Management: Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Strategic Planning: Partners with management to create action plans that ensure the achievement of goals
Tracks production and revenue, and forecasting results for management based on existing pipelines
Credit Quality: Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio
Ultimately responsible for managing the banks risk exposure to acceptable levels
Maintaining Knowledge: Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
Uses independent judgement and discretion to make decisions
Performs special projects, and additional duties and responsibilities as required
Consistently adheres to regulatory and compliance policies and standards linked to the job
Accountable to maintain compliance with applicable federal, state and local laws and regulations
Requirements:
Undergraduate Degree (4 years or equivalent)
4+ Years of experience as a Commercial Lending Relationship Manager and/or commercial loan sales
5+ years of experience with commercial lending credit
Advanced knowledge of commercial lending credit, underwriting and loan structuring skills
Advanced analytical skills to understand financial and cash flow analyses
Advanced negotiation skills
Excellent verbal and written communication skills
Computer proficiency in Microsoft Office applications including Word and Excel
Demonstrates a strong ability to build and maintain effective relationships with stakeholders
Builds trusted client relationships
Some travel may be required
Physical demands: moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting
What we offer:
Medical, dental, vision, life, and disability insurance