Commercial Real Estate Officer II

Join to apply for the Commercial Real Estate Officer II role at Central Pacific Bank

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Join to apply for the Commercial Real Estate Officer II role at Central Pacific Bank

This range is provided by Central Pacific Bank. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

$63,723.00/yr - $87,619.00/yr

Position Function:

Manage and grow a portfolio of high valued client relationships of loans and deposits accounts that meet established lending and operational policies and provides maximum profitability with minimum risk to the Bank.

Performs all duties and interacts with internal and external customers in a manner aligned with the Company's Core Values of Voyaging Spirit and Positively Ohana;
Customer Experience Competencies of Customer Interaction, Empowerment and Ownership; and Basic Skills of Listening, Oral Communication, Written Communication, Action Orientated, Thoroughness, Problem Solving.

Primary Accountabilities:

Production

Activities:

Actively support the CRELD Team Leader’s marketing efforts to generate new loan production, deposits, fee income and referrals to other business units.

Generate new commercial mortgages and construction loans to meet annual production goals and objectives.

Originate new commercial mortgage loans and construction loans, deposits, and fee income from new and existing sources of business.

Conduct face to face meetings with high quality loan and deposit customers and prepare detailed call reports for customer contacts.

Preliminary Review:
Evaluate the borrowers and guarantors, prepare market research, discuss loan with Credit Administrator, prepare term sheets, review appraisal and environmental reports, review guarantor credit reports, review EDR screens and prepare environmental assessment questionnaires.

Credit Approval Memorandum Preparation:
Prepare CAM write-ups / review CAM write-ups by underwriters with clear, concise and timely loan request presentations that meet the Bank’s quality targets, lending policies, and guidelines and assess the credit strengths, weaknesses, and potential risks.

Loan Documentation:
Review commitments letters, review title searches, review borrower documents, order and review loan documents, and review and sign-off on documentation checklist.

Loan Draws:
Review construction loan draws and inspection reports, review line draws, obtain disbursement approvals, and approve collateral releases.

Participate in commercial real estate business organizations and attend meetings and functions.

Actively participate in Bank-sponsored community events.

Portfolio Management:

Actively assist the Team Leader to manage the Lending Team’s existing portfolio of commercial mortgage loans, construction loans, and business deposits.

Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRELD deposit goals and objectives.

Ensure assigned portfolio of loans is in compliance with the Bank’s credit policies and procedures.

Keep abreast of trends and developments that may impact the quality of the assigned loan portfolio.

Manage loan delinquents and maturing loans to ensure no administrative delinquencies of matured loans.

Diligently monitore assigned loan portfolio to ensure risk-rating assessments are accurate with timely re-grades as appropriate.

Prepare and review Term Loan Reviews/Compliance and Risk Rating Validations to insure completeness and all issues addressed.

Prepare and review Asset Quality Reviews to insure completeness and all issues addressed.

Prepare and review Modification Memorandums to insure completeness and all issues addressed.

Review annual property inspections and conduct follow-up actions as required.

Review annual EDR collateral screens and conduct follow up actions as required.

Monitor daily overdrafts for assigned customers.

Complete checklist folders for loan downgrades to 7 or worse.

Prepare portfolio management reports as assigned and provide updates for credits managed.

Contribute to managing the Lending Team ticklers to CRELD standards.

Contribute to CRELD achieving satisfactory…