CRE Banker

Responsible for the retention and expansion of existing business relationships, the development of new business, making referrals to other bank areas, and the servicing of a variety commercial real estate loans. Identifies client needs and works with clients to offer appropriate bank products and services. Effectively partners with Commercial Real Estate Portfolio Manager/Underwriters as well as Credit Administration on all client credit opportunities.

• Manages accounts that are highly complex, specialized, unique, sensitive, and high profile.
• Identifies client needs and works with clients to offer appropriate bank products and services.
• Typically negotiates within established guidelines, credit pricing, terms and structure.
• May occasionally work outside of guidelines.
• Portfolio Expectations Portfolio Size Managed: $125MM to $200MM
• Target Market:
  Commercial Real Estate Developers and Investors within their prescribed market area.
• Develops and executes a business development plan to achieve established goals and objectives.
• Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, cross-sell products and services, and obtain new customer relationships.
• Cultivates prospects independently through customer referrals, networking, and participation in professional organizations, social contacts and relationships built in the community.
• Actively participates in all stages of loan origination:
  1) Deal set-up (determine client need, collect initial client information, perform credit risk analysis, prepare Potential Transaction Memo for discussion, team with Portfolio Manage/Underwriter to determine structure and indicative pricing, prepare term sheet for client);
  2) Decisioning (review and validate credit package prepared by partner in Portfolio Management/Underwriting); and
  3) Closing (work with Portfolio Manager/Underwriter and Outside Counsel in preparing commitment letter for client, negotiate and revise commitment letter as needed, ensure seamless relationship with client and facilitate problem resolution).
• Participates in Credit Underwriting to help design the best overall banking relationship meeting the customer’s business objectives.
• Works directly with the Commercial Real Estate Portfolio Manager/Underwriter to assess the customer’s credit risk and structure a credit solution that fits the customer’s needs while remaining within acceptable risk guidelines.
• Uses automated business development system to manage individual calling program, schedule appointments, develop customer profiles or cross-sales opportunities, follow-up with customers and book new business.
• Obtains appropriate credit approval and related documentation to ensure portfolio quality and yield are maintained.
• Makes a variety of commercial real estate loans that have varying degrees of difficulty.
• Stays informed of changes and maintains a very good understanding of all bank products, services, credit standards, bank pricing parameters, business development programs and automated systems.
• Proactively seeks knowledge and mentorship from more Senior Relationship Managers to develop a thorough understanding of bank products, services, credit standards, and bank pricing parameters, business development programs/automated systems.
• Keeps abreast of industry, competitor, financial market and other changes that may impact their portfolio or department.
• Represents the bank in civic, community and industry functions to further enhance the bank’s image and develop additional business.
• Performs other related job duties and special projects as assigned.
• Complies with all applicable federal, state and local banking and industry related laws and…