CRE Relationship Manager IV responsible for developing and managing a portfolio of loans secured by real estate collateral. Acquiring and expanding client relationships while ensuring bank profitability.
Responsibilities
Assumes overall responsibility, development and management of their borrowing and non-borrowing portfolio
Underwrites, originates and effectively manages a portfolio of loans generally secured by commercial and/or residential real estate collateral
Provides advice and guidance on policies and manages larger and more complex loan relationships as well as more complex lending structures
Participates in the development of new business by acquiring, retaining and expanding client relationships
May assist other lenders with underwriting of commercial real estate loans
Responsible for growing a high-quality portfolio of real estate loans and associated deposits within designated market area
Develop and maintain a quality loan portfolio
Maximize bank profitability through appropriate pricing of new loan originations, fee income, and cross selling of all bank products & services
Pre-screen potential new loans with credit officer to determine appropriate structure
Prepare loan approval packages for approval and facilitate through process
Monitor loan portfolio and maintain updated financial information
Manage the bank’s complex commercial real estate loan relationships
Responsible for making business development calls and contributing to overall Bank objectives of quality new loan and deposit growth
Sell and cross-sell deposits and other bank products such as Treasury services in a profitable manner
Make recommendations to management on procedural improvements
Assist other Relationship Managers with customer requests and serves as a source for real estate lending knowledge
Assist in mentoring teammates, to include credit analysis, financial spread sheet preparation and underwriting
Maintain pipeline of existing relationships and new prospects
Ensure that own work is in compliance with applicable policies, procedures, laws, regulations and guidelines
Participate in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace
Establishes referral contacts and Centers of Influence (COI) within the community
Regularly corresponds with Senior Credit Officer(s); Loan Review Department; attorneys, loan support and loan processing areas
Seek out largest and most complex CRE customers
Other duties as assigned
Requirements
Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience
Minimum 10 years of commercial real estate banking experience and a proven track record of generating deposit and fee income
Very strong credit skills evident
Ability to manage large and complex relationships and more complex lending structures
Proficient in analyzing commercial real estate credit applications
Advanced knowledge of typical CRE collateral documentation - title insurance, deeds of trust, assignment of rents & leases, hazard insurance, flood insurance, UCC filings, etc.
Thorough knowledge of financial and credit aspects of commercial real estate lending such as credit analysis, global cash flow analysis and Debt Service Coverage
Comprehensive knowledge of commercial appraisal and loan underwriting methodologies
Excellent organizational skills, initiative, dependability and ability to work with minimal direction
Ability to manage multiple projects while meeting goals
Strong knowledge of Microsoft Office including Outlook, Word and Excel
Benefits
General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits
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