Commercial Real Estate Portfolio Manager - Mobile, AL

Mobile, AL, USA

Posted Tuesday, February 17, 2026 at 7:00 AM | Expires Sunday, March 1, 2026 at 6:59 AM

At Bank Plus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true.

All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.

The Commercial Real Estate Portfolio Manager I is responsible for evaluating and preparing commercial real estate loan packages in a timely manner while adhering to bank standards and loan policies. The CRE Portfolio Manager will work with a credit officer, if applicable, and Commercial Real Estate Lenders to meet client and bank expectations.

• The Commercial Real Estate Portfolio Manager I will learn to underwrite loan requests which include new loans, amendments, extensions, modifications and renewals.
• Works with lender to analyze financial information and produce a cash flow worksheet.
• Responsible for performing and reviewing financial analyses.
• Analyze financial statements, industry and market data and prepare credit approval package that clearly outlines and expresses an independent opinion on key considerations in the credit decision.
• Orders financial spreads, global cash flow analysis, appraisals, evaluations, and environmentals.
• Work with Lender in evaluating the general contractor and property management company, if applicable.
• Along with lender, review draw requests, title endorsements and coordinates property inspection and certification of draw by an independent inspector.
• Responsible for working with lender and customer, including accompanying lender with customer calls and collect financial information.
• Track and resolve document exceptions related to closing and all ongoing exceptions.
• Test project performance against original underwriting and appraisal projections upon receipt of required reporting information.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Work with CRE Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests.
• Pull credit reports.
• Works with lender to produce term sheets and commitment letters.
• Works with lender in entering information in nCino and submitting loan packages for approval.
• Gather all appropriate documentation such as Leases, other special conditions, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Remain informed of current economic and legislation conditions.
• Serve in civic, community and industry related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations.
• Maintains a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions, including but not limited to:
  Bank Secrecy Act;
  Privacy Act;
  Fair Lending Act;
  Regulation E, etc. Completes required compliance training and adheres to the Bank’s standard of conduct.
• Participates in the bank’s High-Performance Rewards Connections program.
• Makes referrals to the Mortgage Center and Wealth Management.
• Performs other duties as requested.

• Bachelor’s degree in Business Administration, Finance, Accounting or a closely related field
• Minimum 2 years’ credit analysis experience and working with CRE Underwriters and Lenders or a Master’s degree in Business Administration, Finance, Accounting or a closely related field
• Experience assisting CRE Lenders with high dollar credit amounts
• Knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required
• Able to interpret and analyze personal and business tax returns/financial statements
• Ability to calculate complicated financial ratios and apply accordingly
• Excellent communication skills both orally and in writing, read,…