Onsite Commercial Real Estate Relationship Manager IV

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About the role

  • 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

Job title

Commercial Real Estate Relationship Manager IV

Job type

Experience level

SeniorLead

Salary

$135,161 - $225,795 per year

Degree requirement

Bachelor's Degree

Location requirements

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