Senior Market & Investor CRE Portfolio Manager Job Tampa area,Florida USA,Finance & Banking

Location

On site in Tampa, FL, Naples, FL, Orlando, FL, Miami, FL

SUMMARY

Provides analytical and monitoring support for large commercial real estate loans including an independent analysis of the creditworthiness of customers and prospects.

ESSENTIAL DUTIES AND RESPONSIBILITIES

The Portfolio Manager – Market/ Investor CRE will be responsible for preparing comprehensive credit analyses on non‑owner occupied commercial real estate loans that facilitates the credit approval process. The Portfolio Manager should have a thorough understanding of various types of lending facilities as well as commercial real estate product types (i.e. retail, office, multi‑family, lodging, industrial, ALF/ senior living, etc.). In addition, the Portfolio Manager will be responsible for monitoring the real estate portfolio including, but not limited to, periodic review and analysis of financial information, identification of negative trends, and preparation of covenant checks in support of the commercial lending function.

Market/ Investor CRE Underwriting Manager to provide production goals based upon needed level of supervision and complexity of deal flow.

ROLES AND RESPONSIBILITIES - COMMERCIAL LOAN ORIGINATION PROCESSES

Provide an analysis of real estate projects and spread financial statements as provided by Commercial Relationship Manager

Prepare Loss Given Default and Probability of Default models for new and renewal opportunities

Provide supporting documentation and participate in Deal Team meetings between Relationship Manager, Market Approvers and Credit Approvers

Maintain responsibility for completion of the Credit Approval Package via the Commercial Credit Memo in nCinco and accompanying Credit Memo Narrative (as applicable) once engaged by Relationship Manager, and after receipt of Opportunity Memo explaining the request. Key items:

Ensure deal structure and analysis is reflective of customer accepted term sheet and Deal Team meeting conclusions

Work directly with the Relationship Manager to ensure accurate reflection of financial.

Work directly with the Relationship Manager to ensure accurate preparation of Loss Given Default and Probability of Default models at time of new/renewal requests

Review and analyze appraisals and/or market data relative to the request. Follow the Appraisal Reconciliation procedures for loans approved subject to receipt and review of the appraisal.

Ensure coding is accurate

Ensure recognition of Policy Exceptions including mitigants

Include an approval recommendation with supporting commentary

Ensure Credit Packages are submitted for approval in accordance with the appropriate lending matrix authority

After approval, finalize Loss Given Default and Probability of Default models

Upload final approved Credit Package and other supporting documentation used in underwriting into

Attend client meetings with the Relationship Manager (when possible)

Market/ Investor CRE Portfolio Managers are to adhere to Service Level Agreements as outlined in Workflow Procedures.

ROLES AND RESPONSIBILITIES – PORTFOLIO MANAGEMENT

Review monthly, quarterly and annual rent rolls, operating statements, etc. for progress, trends, issues, etc.
Identify portfolio weaknesses and trends and alert Relationship Manager and Market/ Investor CRE Underwriting Manager to deteriorating portfolio conditions
Prepare covenant checks as required by Loan Agreement and follow procedures for the handling of loans deemed to be “out of compliance.” Update nCinco as covenant checks are completed and advance the days accordingly.
Monitor progress on construction loans via inspection reports, progress relative to borrower projections, delays, etc.
Prepare annual reviews
Update Loss Given Default and Probability of Default models according to required due dates, upon completion of construction or as a result of changing conditions that impact the risk profile
Proactively manage upcoming loan maturities and renewals working with the Relationship Manager
Monitor past dues and overdrafts working with the Relationship Manager to resolve
Ensure loans are coded correctly on the loan system once approved and booked. Ensure construction loans are correctly…