The Commercial Real Estate (CRE) Relationship Manager I will actively manage a loan portfolio of existing clients and will solicit, examine, evaluate, and authorize or recommend approval of customer applications for commercial Real Estate loans.

The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.

• Develop sales leads from existing clients in loan portfolio, independently through referral sources, and by cooperation with the Bank Management Team to attain new business relationships and product sales.
• Manage a loan portfolio of existing clients and monitor loan quality; be responsible for all aspects of loan administration for this portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit and reviews of term loans.
• Oversee and ensure accuracy of construction loans within portfolio to include monitoring progress of projects and performance to the initial underwriting.
• Interview applicant(s) and request specified information for loan application.
• Oversee and ensure accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, meeting compliance requirements, ensure completeness of loan packages, and timely processing, funding, and closing of committed loans.
• Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants’ evaluations.
• Analyze applicant financial status, credit, banking status, and other information to determine feasibility of granting a loan.
• Compile loan package and facilitate negotiation of loan structure with applicant, that is acceptable to Bank and Bank’s policies, including fees, loan repayment options, and other credit terms.
• Present loans to appropriate approving authority or Loan Committee for approval.
• Call and visit customers, prospects, and referral sources / centers of influence (COIs) to promote and sell all Bank products and services.
• Respond to customer information requests or inquiries involving small business loans.
• Provide loan data to support marketing and sales promotion programs as required.
• Promote and cross-sell other Bank products and services as appropriate to customer requirements, such as deposit services, other loan services, Cash Management, and/or Wealth Management.

Education and Experience

• Bachelor’s degree from four-year college or university
• Commercial Credit Training
• Minimum of 1 year experience in commercial lending

Skills and Competencies

• Comprehensive knowledge of real estate related commercial lending, including a solid understanding of underwriting and credit.
• Good verbal and written communication skills.
• Satisfactory knowledge of loan documentation.
• Good organizational and time management skills; the ability to prioritize tasks.
• Thorough knowledge of products and services offered by the Bank.
• Working knowledge of Microsoft Excel, Word, and PowerPoint.
• Ability to remain calm and efficient under pressure to meet requirements and deadlines.