Commercial Real Estate Relationship Manager

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Regular Full-Time Commercial Baltimore, Ellicott City, MD, US

The Commercial Real Estate Relationship Manager serves as a trusted financial partner to commercial real estate investors, developers, sponsors, property owners, and key Centers of Influence within the Mid-Atlantic market. This role is responsible for originating, structuring, and managing financing relationships involving non-owner-occupied investment real estate across property types, including multifamily, retail, office, industrial, hospitality, self-storage, mixed-use, and other income-producing properties.

The CRE Relationship Manager evaluates sustainable property cash flow, collateral value, market conditions, transaction structure, and sponsor and guarantor financial capacity to deliver appropriate lending, deposit, treasury management, and other financial solutions. The role is expected to generate profitable portfolio growth, fee income, and deposits while maintaining sound credit quality and operating in alignment with the Bank's strategic objectives, credit standards, and risk appetite.

The Commercial Real Estate Relationship Manager serves as a trusted financial partner to commercial real estate investors, developers, sponsors, property owners, and key Centers of Influence within the Mid-Atlantic market. This role is responsible for originating, structuring, and managing financing relationships involving non-owner-occupied investment real estate across property types, including multifamily, retail, office, industrial, hospitality, self-storage, mixed-use, and other income-producing properties.

The CRE Relationship Manager evaluates sustainable property cash flow, collateral value, market conditions, transaction structure, and sponsor and guarantor financial capacity to deliver appropriate lending, deposit, treasury management, and other financial solutions. The role is expected to generate profitable portfolio growth, fee income, and deposits while maintaining sound credit quality and operating in alignment with the Bank's strategic objectives, credit standards, and risk appetite.

• Develops and maintains relationships with commercial real estate investors, developers, sponsors, property owners, asset managers, and designated advisors to understand investment strategies, property performance, financing objectives, and immediate and long-term capital needs.
• Develops and maintains relationships with commercial real estate investors, developers, sponsors, property owners, asset managers, and designated advisors to understand investment strategies, property performance, financing objectives, and immediate and long-term capital needs.
• Originates and structures financing for the acquisition, refinancing, construction, renovation, repositioning, and stabilization of non-owner-occupied commercial investment real estate across multiple property types.
• Evaluates historical and projected property performance using operating statements, rent rolls, leases, borrower and guarantor financial statements, tax returns, liquidity schedules, construction budgets, and other relevant financial and due diligence information.
• Analyzes key commercial real estate underwriting metrics, including debt service coverage ratio (DSCR), loan-to-value ratio (LTV), loan-to-cost ratio (LTC), debt yield, capitalization rate, breakeven occupancy, occupancy trends, lease rollover, tenant concentration, and property cash-flow stability.
• Assesses sponsor and guarantor strength, including net worth, liquidity, contingent liabilities, global cash flow, real estate experience, management capability, and capacity to support the property during periods of stress.
• Evaluates property-specific and market risks, including supply and demand, vacancy, rental rates, tenant quality, lease expirations, rollover exposure, deferred maintenance, capital expenditure requirements, environmental conditions, insurance coverage, property management, and exit or refinance risk.
• Structures appropriate loan terms, including pricing, amortization, maturity, guarantees, covenants, reserves, escrows, cash-management requirements, recourse provisions, reporting requirements, and other risk mitigants consistent with Bank policy and the transaction’s risk profile.
• Reviews application materials and financial data as the first line of…