Relationship Manager 2

Relationship Manager 2– Commercial Real Estate (CRE)

The Relationship Manager 2– Commercial Real Estate (CRE) is a lender-focused role responsible for supporting the growth and ongoing management of CRE lending relationships through proactive business development, underwriting support, effective loan structuring coordination and disciplined portfolio management.

This role works closely with the Regional Relationship Manager (RRM) and serves as the primary relationship manager for new and existing CRE clients. This is a new-origination-focused role responsible for developing and expanding a CRE loan portfolio through proactive business development, strong credit and underwriting judgment, effective loan structuring, and disciplined portfolio management as well as to originate new Commercial Real Estate (CRE) relationships through referrals, centers of influence (COIs), and targeted prospecting.

The role includes lending approval authority for unsecured loans up to $50,000 and secured loans up to $250,000, consistent with policy and delegated authority.

The Relationship Manager 2 is accountable for end-to-end relationship ownership, including prospecting and deal sourcing; client interviews and sponsor assessment; financial analysis; underwriting and credit positioning; loan structuring; documentation coordination; closing execution; and ongoing portfolio monitoring. The role requires deep experience across CRE products and the ability to independently communicate and defend credit decisions using industry metrics such as DSCR, LTV, Debt Yield, guarantor analysis, covenant structures, and recourse/non-recourse considerations.

The Relationship Manager 2 independently owns credit recommendations and is accountable for transaction outcomes within delegated authority.

This is a lender-first role. This role is expected to identify and capture core operating deposits and related treasury services that naturally align with CRE lending relationships (e.g., operating accounts, rent collections, reserves, and escrows), in partnership with internal deposit and treasury teams.

Key Responsibilities

Business Development / Originations (Primary – RM 2 Ownership)

• Independently originate and develop new CRE lending relationships through proactive networking, community involvement, and cultivation of centers of influence (COIs), including attorneys, CPAs, CRE brokers, property managers, lenders, and debt advisors.
• Own and manage a robust pipeline of new CRE opportunities within assigned territories and target segments, from initial contact through closing.
• Lead client discovery and qualification discussions to assess sponsor quality, portfolio strategy, capital needs, deal feasibility, timing considerations, and risk tolerance.
• Serve as the primary driver of transaction strategy by recommending appropriate product structures across construction, bridge, permanent, and revolving/line-of-credit facilities.
• Consistently meet or exceed annual loan production goals.

Underwriting / Credit Analysis / Structuring (Decision-Making Role)

• Lead underwriting and credit analysis for CRE transactions, including evaluation of borrower financials, guarantor strength, global cash flow, liquidity, contingent liabilities, and sponsor experience.
• Apply market-standard credit metrics (DSCR, LTV, guarantor analysis, covenanting, Debt Yield, break-even occupancy) and scenario analysis to independently assess transaction viability and risk.
• Evaluate collateral and market fundamentals, including submarket conditions, tenant concentration and rollover, rent comparables, capital expenditure needs, and exit strategies.
• Structure transactions with appropriate terms, pricing, and risk mitigants—including covenants, reserves, guarantees, amortization, and recourse/non-recourse structures—consistent with Bank policy and risk appetite.
• Exercise assigned lending authority and present transactions to RRM and Credit Administration, clearly articulating credit rationale and risk considerations.
• Oversee documentation and closing execution in coordination with Credit, Loan Operations, and Legal.

Portfolio Management / Client Retention (Primary Relationship Manager)

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