Sr. Commercial Real Estate Loan Officer

Senior Commercial Real Estate Loan Officer

The Senior Commercial Real Estate Loan Officer is responsible for originating, structuring, negotiating, and managing complex commercial real estate credit relationships while serving as a trusted advisor to commercial real estate investors, developers, sponsors, and owner-operators. This individual is a highly experienced lender with a demonstrated history of managing the largest and most complex commercial real estate relationships while serving as a trusted advisor to key members, investors, developers, sponsors, and centers of influence.

The position focuses primarily on commercial real estate lending, including acquisition, construction, development, bridge, refinance, and permanent financing opportunities across multiple property types. In addition to credit products, whether working in tandem with a BBO or otherwise, will seek opportunities to assist on growing AZFCU's deposit base and other ancillary products, including retail loans, residential loans, treasury services, insurance opportunities, and investment opportunities.

The Senior Commercial Real Estate Loan Officer is expected to serve as a market leader, generating significant loan production, maintaining strong asset quality, mentoring commercial lending staff, and contributing to the strategic growth and development of Arizona Financial Credit Union's commercial real estate lending program.

Essential Job Functions

• Develop and maintain strategic relationships with commercial real estate investors, developers, sponsors, business owners, brokers, attorneys, CPAs, and other centers of influence that generate significant lending opportunities and portfolio growth.
• Proactively identify and pursue commercial real estate lending opportunities through networking, industry involvement, business development activities, referral partner development, and market leadership initiatives.
• Consistently achieve or exceed established production, portfolio growth, and relationship development goals.
• Serve as a trusted advisor to commercial real estate investors, developers, sponsors, and business owners by providing sophisticated financing solutions and strategic financial guidance.
• Independently manage the largest, most complex, and most strategically significant commercial real estate relationships within the portfolio.
• Analyze, structure, negotiate, and manage highly complex commercial real estate credit facilities, including acquisition, refinance, construction, development, bridge, participation, syndication, and permanent financing transactions.
• Lead the structuring and negotiation of complex commercial real estate transactions involving multiple borrower entities, guarantors, collateral structures, ownership groups, and financing arrangements.
• Review and analyze borrower and guarantor financial statements, tax returns, property operating statements, rent rolls, appraisals, project budgets, market data, and other supporting documentation to assess creditworthiness and transaction viability.
• Assess highly complex credit relationships and develop financing recommendations that appropriately balance member needs, portfolio objectives, profitability goals, and risk management requirements.
• Prepare, present, and defend credit recommendations and loan structures through the approval process while serving as a subject matter expert on complex commercial real estate transactions.
• Order, review, and evaluate appraisals, environmental reports, valuations, surveys, title reports, and other third-party due diligence materials in accordance with regulatory requirements and Credit Union policy.
• Conduct property inspections and assess collateral quality to support underwriting, portfolio management, and risk management activities.
• Coordinate with underwriting, credit administration, loan operations, legal counsel, appraisers, environmental consultants, title companies, and other third-party professionals to facilitate the successful execution of complex loan transactions.
• Represent Arizona Financial Credit Union in loan negotiations, documentation processes, and loan closings involving sophisticated borrowers and complex financing structures.
• Review loan documentation to ensure consistency with approved loan terms, proper collateral perfection, lien position, and compliance with approval requirements.
• Manage and maintain an assigned portfolio of commercial real estate relationships to ensure strong asset quality, regulatory compliance, member satisfaction, and portfolio performance.
• Monitor assigned relationships through annual reviews, covenant compliance, risk rating maintenance, financial analysis, financial spreads, and ongoing portfolio surveillance activities.
• Identify opportunities to deepen member relationships through deposits, treasury management services, insurance products, residential lending, investment services, and other Arizona Financial Credit Union solutions.
• Provide formal coaching, mentorship, and technical guidance to…