Portfolio Manager CRE

The Commercial Real Estate (CRE) Portfolio Manager assists the relationship managers with the underwriting of credit and the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.

• Underwrites requests for credit extensions to new and existing clients
• Performs detailed financial analysis for CRE and, on occasion, personal lending opportunities
• Prepares the following for presentation to Senior Loan Committee:
• Credit Approval Request (CAR)
• Modifications Covenant Waivers/Amendments
• Assessment of Real Estate Sponsorship
• Manages / monitors assigned portfolio for:
• Loan Performance
• Accurate and Timely Risk Rating
• Required Financial Reporting
• Covenant Compliance
• Payment Delinquencies
• Overdrafts
• Monthly Construction Monitoring
• Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
• Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements and covenants contained in the loan documents
• Prepares periodic financial reviews where required
• Prepares monthly special asset reports for senior management as required
• Ensures the timely spreading of financial statements provided by clients
• Accompanies the relationship manager on prospect / client calls when appropriate

Bachelor’s Degree in Finance, Accounting, or related field

Minimum of 5 years of credit analysis and underwriting experience

Completion of a bank commercial credit training program and experience analyzing commercial / residential real estate projects (income producing properties including retail, office, industrial and multi-family; land acquisition and development loans, and construction loans) strongly preferred

• Demonstrated knowledge of investment commercial real estate finance for multiple loan and property types
• Excellent organization skills, attention to detail and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
• Strong written and verbal communication skills
• Strong presentation skills
• Ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications, including the use of graphs and charts

• Bachelor’s:
  Accounting
• Bachelor’s:
  Business Administration
• Bachelor’s:
  Finance

General Experience - 3 to 6 years

$80,000.00-$

Less than 25%

Resident

• Base salary or wages
• Additional compensation (cash or equity)
• Discretionary bonuses or commissions
• Medical, dental, and vision
• Life insurance
• Critical illness insurance and accident insurance
• Disability benefits
• Retirement savings
• Paid time off (including vacation, holidays, and sick leave)
• Parental leave

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. We expect our associates at all levels to:
Grow professionally and inspire others to do the same Work with and through others to achieve desired outcomes Make prompt, pragmatic choices and act with the client in mind Take ownership and hold themselves and others accountable for delivering results that matter Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring…