Home Builder Finance – CRE Portfolio Manager II

Home Builder Finance – CRE Portfolio Manager II

Requirements

• Bachelor’s Degree: Accounting, Business, Economics, Law, Computer Science or other related field required (an equivalent combination of education and experience may be considered)
• 6 or more years of banking credit analysis experience required
• Preferred Home Builder finance
• Advanced analytical skills and working knowledge of financial accounting with ability to spread and analyze financial statements, cash flows, and tax returns for companies and individuals with moderate to complex structures to determine financial support feasibility for credit requests.
• Knowledge of company formation structures with ability to identify borrowing and guaranty structures.
• Advanced understanding of portfolio management priorities, including reporting issues, concentrations, maturities, delinquencies, and loan performance (including construction progress through absorption and lease-up execution, covenant compliance, and the appropriateness of ongoing risk ratings).
• Possess excellent verbal and written communication, organizational, and interpersonal skills.
• Ability to effectively manage customer relationship and maintenance issues in the absence of CRE Relationship Managers.
• Ability to understand client needs, identify potential cross-sell opportunities, and participate in team calling goals involving joint retention calls and prospecting activity.
• Proficient in Word, Excel, Access, and other similar programs.
• Knowledge of federal and state laws and regulations relating to Commercial Real Estate Lending.

Responsibilities

• Analyze and investigate credit and financial information on prospective and existing customers. Perform credit inquiries for the Bank and analysis of data provided by credit bureaus, other financial institutions, and Bank files. Provide loan documentation and support activities.
• Prepare credit requests, modifications, and extensions within the portfolio. Provide credit and project analysis, risk assessments, summaries, and recommendations for CRE Relationship Managers on new and existing credits.
• Responsible for the tracking and analysis of financial information of new, renewed, and existing loans. Monitor loan terms for covenant compliance on existing loans. Regularly establish, review, and update new and existing loan files. Ensure maintenance of the loan monitoring system.
• Responsible for the management of financial information files to ensure current reports, statements, accounts receivable, and other information on customer accounts. Manage credit files to ensure receipt of current and accurate financial information, including tax returns, inventory, credit reports, financial statements, cash flows, and contingent liabilities. Responsible for all master file maintenance, quality, and the corresponding loan reviews.
• Assist CRE Relationship Managers in establishing and maintaining proper documents related to the perfection of the Bank’s lien position on loans secured by various collateral. Provide technical or advisory assistance to CRE Relationship Managers as requested. Maintain loan policy manuals and updates.
• Perform site visits of existing and potential projects as necessary.
• Responsible for (in conjunction with CRE Relationship Manager) managing portfolio priorities, including reporting issues, maturities, delinquencies, and loan performance (including construction progress through absorption and lease-up performance, covenant compliance, and the appropriateness of ongoing risk ratings).
• Responsible for complying with policies, procedures, security requirements, and government regulations. Ensure adherence to company and credit policies, auditing procedures, and department goals and standards. Ensure compliance of the Bank’s credit policies.

Preferred Qualifications

• Preferred Home Builder finance