Real Estate Banking Associate

The Real Estate Banker Associate is a developmental role designed to prepare an internal banker with a solid credit foundation to become a Real Estate Relationship Manager. Working alongside the Real Estate Banking Director and senior Relationship Managers, the Associate supports the origination, structuring, underwriting, closing, and ongoing management of commercial real estate relationships with professional developers and investors. Responsibility for client coverage and business development increases as the incumbent demonstrates proficiency.

The Associate does not hold independent lending authority and operates in full compliance with the Bank’s credit, risk, regulatory, and documentation standards.

What You’ll Do:

• Analyzes borrower, guarantor, sponsor, property, and market information to assess repayment capacity, collateral support, transaction structure, and overall credit risk, including performance under stressed interest rate, vacancy, and exit assumptions.
• Reviews rent rolls, operating statements, leases, appraisals, environmental reports, construction budgets, sources and uses, and other due diligence, and identifies issues that may affect value, cash flow, or repayment.
• Prepares prescreen materials, proposals and term sheets, financial spreads, relationship assessments, and credit presentations for acquisition, refinance, bridge, and construction transactions in partnership with Real Estate Underwriting and Credit.
• Researches submarkets, rent and sale comparables, sponsor track record, leasing trends, capitalization rates, and supply and demand to support underwriting conclusions and pricing recommendations.
• Conducts and documents property and construction site inspections with senior bankers and maintains complete and accurate credit and relationship files.
• Supports assigned Relationship Managers in covering client and prospect relationships, including pre-call plans, meeting preparation, relationship plans, proposals, and timely follow up.
• Attends client, prospect, property, and sponsor meetings and assumes increasing responsibility for relationship coverage, prospecting, and business development as proficiency is demonstrated.
• Develops new business through prospecting, referrals, centers of influence, and coordinated calling efforts, and records all client activity, meetings, and referrals in the Bank’s client management system in a timely manner.
• Identifies deposit, treasury management, and cross-sell opportunities and makes qualified referrals to other CNB lines of business, supporting individual and team goals for loans, deposits, fee income, and client retention.
• Monitors assigned loans and relationships, including annual reviews, renewals, covenant compliance, financial reporting requirements, construction draws, insurance and tax compliance, maturities, exceptions, and risk rating accuracy.
• Serves as part of the first line of defense by promptly identifying and escalating adverse trends in borrower, guarantor, tenant, or property performance to the Relationship Manager, Credit, and management.
• Coordinates with Credit, Loan Administration, Legal, Appraisal, Environmental, Construction Risk, Treasury Management, BSA/KYC, and Compliance to move transactions from prescreen through approval, documentation, closing, booking, and post-closing.
• Prepares and maintains pipeline, portfolio, exposure, and maturity reports and other information required by Real Estate Banking leadership.
• Completes the Real Estate Banking development plan, including formal credit, sales, and Bank training, structured mentorship, and periodic progress reviews with the Real Estate Banking Director, and remains current on internal policies and regulatory expectations.
• Performs other duties and responsibilities as assigned.
• Reviews rent rolls, operating statements, leases, appraisals, environmental reports, construction budgets, sources and uses, and other due diligence, and identifies issues that may affect value, cash flow, or repayment.
• Prepares prescreen materials, proposals and term sheets, financial spreads, relationship assessments, and credit presentations for acquisition, refinance, bridge, and construction transactions in partnership with Real Estate Underwriting and Credit.
• Researches submarkets, rent and sale comparables, sponsor track record, leasing trends, capitalization rates, and supply and demand to support underwriting conclusions and pricing recommendations.
• Conducts and documents property and construction site…