Commercial Real Estate Relationship Manager-Space Coast, FL

Required Experience

Minimum of 10-15 years of experience in lending, primarily Commercial Real Estate lending, with extensive knowledge of financial institution policies and mortgage lending.

Bachelor’s degree in Finance, Real Estate, Business Administration, or a related field.

A well-established regional bank with a strong commitment to personalized customer service and community-focused financial solutions is seeking a Commercial Real Estate Relationship Manager to join its team and help drive growth in commercial lending for the Space Coast, FL Area.

The Commercial Real Estate Relationship Manager will be responsible for overseeing the commercial real estate portfolio, managing client relationships, and driving business growth through effective loan origination, underwriting, and portfolio management. The ideal candidate has a strong background in commercial real estate finance, exceptional analytical skills, and a proven track record of managing complex financial transactions.

• Portfolio Management:
  Oversee and manage the bank’s commercial real estate loan portfolio, ensuring compliance with credit policies, risk management standards, and regulatory requirements.
• Loan Origination:
  Identify and develop new business opportunities by building relationships with commercial real estate developers, investors, and property owners.
• Underwriting and Analysis:
  • Conduct thorough financial analysis, risk assessments, and due diligence for all types of loans, primarily focused on commercial real estate loan applications.
  • Present requests to management, loan committee, or Board Loan Committee/Board when the proposed loan is beyond departmental lending authority as required.
• Client Relationship Management:
  • Manage a portfolio of commercial loan relationships, facilitating all aspects of client management, including calling effort to retain and expand the relationship to meet additional needs.
  • Counsel loan customers on loan management and beneficial strategies to secure new opportunities.
• Market Research:
  Stay informed about local and national commercial real estate market trends, including property values, rental rates, and economic factors impacting the industry.
• Risk Mitigation:
  • Monitor portfolio performance, identify potential risks, and implement strategies to mitigate credit and operational risks.
  • Participate in continuing education programs and seminars as needed to assure currency with changing rules and regulations affecting the bank.
  • Perform any actions necessary to assure the safeness and soundness of the Bank in accordance and compliance with all appropriate Federal and State regulations governing the Bank’s lending activities.
• Collaboration:
  
  Coordinate with and assist leadership and management of the Bank’s business line (loans, deposits, and ancillary services) and all activities related to loan and deposit procurement and production.
• Reporting:
  Prepare and present detailed reports on portfolio performance, market conditions, and business development activities to senior management.
• Regulation and Compliance:
  • Support CLO and Chief Credit/Risk Officer with the oversight of loan operations, regulatory relations, and compliance as required.
  • Represent the Bank to regulatory and supervisory agencies as required.
  • Maintain and enhance information based on local and national economics, as well as other concerns that would impact the Bank’s lending activities.
• Loan Management:
  • Oversee the collection and review of updated financial data and ensures the prompt monthly repayment of the related loans.
  • Help support management by monitoring the performance of the Bank’s loan portfolio from the perspective of both credit quality and…