Commercial Real Estate Relationship Manager

Job Summary:

Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments. Coordinate the entire banking relationship for clients and prospects.

To perform this job successfully, the individual must be able and willing to perform all essential duties satisfactorily. The position responsibilities outlined here are in no way to be construed as all encompassing. Additional duties, responsibilities and qualifications may be required and/or assigned as necessary. Reasonable accommodations, as determined by management on a case-by-case basis, may be made to enable individuals with disabilities to perform essential duties.

• Work closely with teams on new and existing commercial real estate loan requests.
• Meet with applicants to obtain information for loan applications and to answer questions about the loan process.
• Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans.
• Originate and close new loans to existing customers and prospects consistent with the Bank’s loan policies and state and federal regulations.
• Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank.
• Negotiate legal documents, obtain appraisal/environmental/etc. reports, and work with various third parties such as Borrower/Legal/Participant Lender(s)/Consultant as part of new loan/modification closings including satisfying all pre- and post-closing requirements.
• Review, track progress, and approve loan disbursementsfor loans with additional funding
• Address all internal/external audit inquiries regarding the loan portfolio
• Stay abreast of new types of loans and other financial services and products to better meet clients’ needs.
• Track local, regional and national economic, financial, political and legislative events, and trends that impact Commercial Real Estate Lending activities and ensure compliance with state and federal regulations
• Submit borrower information to credit analysts for verification and recommendation.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Manage an existing commercial loan portfolio to confirm appropriate risk ratings, collection of financials documents, testing of loan covenants, and other responsibilities as necessary
• Cross-sell other bank products including: deposit products, cash management, treasury services and other bank services.
• Respond to customer and prospect inquiries.
• Assist in the collection/work out activities with troubled/non-performing assets.
• Represent the Bank at various community functions.
• Participate on Bank task forces and committees as assigned.

• Perform additional duties as requested, needed or assigned.

• Extensive knowledge of financial institution policies and procedures.
• Strong knowledge of commercial lending practices and related areas.
• Knowledge of department support structures, resources and personnel.
• Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling.
• Strong analytical and interpersonal skills.
• Knowledge of commercial real estate lending policies and procedures.
• Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated.
• Superior customer service skills, exceed customers’ expectations.
• Fluent written and verbal English communication skills.
• Ability to adhere to Needham Bank’s Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community,…