Associate - Direct Commercial Real Estate

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Full‑time ICP Support Honolulu, HI, US

7 days ago Requisition

Salary Range: $47,017.00 To $90,248.00 Annually

Assists CRE Loan Officers with structuring, underwriting, and servicing of medium to large size real estate loans to ensure the loans meet the Bank's quality targets, lending policies, and underwriting guidelines. Career path is for individuals to advance from associate level to CRE officer level position, so there is increased emphasis on external relationship responsibilities (e.g., customer calls, negotiation skills, research/business development).

Progressively handles more complex loans at more senior associate levels. Supports and assists with the lending team efforts and initiatives to generate new commercial mortgage, construction, and commercial loans, and proactively manages customer relationships to meet loan runoff projections and deposit targets.

Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a Voyaging Spirit and being Positively Ohana. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership, and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented, and Thoroughness.

• Actively support the Team Leader and Loan Officer to review new loan requests from existing and prospective CRE borrowers by providing underwriting support.
• Provide support for Loan Officers’ efforts to generate new commercial mortgages and construction loans to meet annual production goals and objectives. Assist Loan Officers to proactively address upcoming loan requests.
• Review and analyze the borrower’s financial information and condition, order appraisal reports, order environmental reports, prepare guarantor global cash flows, and access other internal and external sources of information.
• Recommend appropriate loan structures to meet the needs of both the customer and the Bank and assist in resolving any issues.
• Accompany Loan Officer on prospect and customer calls to develop research/business development and negotiation skills.
• Prepare Credit Approval Memorandums with clear, concise, and timely loan request presentations reviewing the strengths, weaknesses, and potential risks of the credit to document the underwriting decision and supporting rationale to ensure the loan meets the Bank’s loan quality targets, lending policies, and lending guidelines.
• Review commitment letters, order loan documents, review loan documents, schedule document signing, provide signed documents to Documentation Center for booking, review tickler inputs, and coordinate borrowers opening bank deposit accounts through BCSC.
• For loan draw requests, review construction loan draws and inspection reports and review line draws for approval and any applicable collateral releases.
• Actively participate in Bank-sponsored community events.
• In the absence of the Loan Officer, manage the Loan Officer’s responsibilities in the Lending Team.
• Assist the Team Leader and Loan Officer with portfolio management responsibilities to meet the Bank’s objectives of maintaining a high-quality commercial mortgage and construction loan portfolio and to minimize exceptions and maximize compliance.
• Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRE deposit goals and objectives.
• Prepare Modification Memorandums, Term Loan Reviews, Asset Quality Reports, and Compliance and Risk Rating Validations for the assigned Lending Team loan portfolio.
• Proactively contact borrowers and guarantors for updated financial information prior to due dates to ensure timely submissions.
• Arrange to import the financial information into Info Access on a timely basis.
• Assist Loan Officers with management of assigned loan portfolios to minimize…