Alternate Locations: Charlotte, NC (North Carolina); Greensboro, NC (North Carolina)

Work Arrangement:

In Office : Employees will work in a Lincoln office with a designated workspace.

Relocation assistance: is not available for this opportunity.

Requisition #: 75825

The Role at a Glance

We are looking to add an Associate Director to the Commercial Mortgage and Real Estate Investments team.

In this position, you will provide experienced support as part of the Loan Production team in the annual origination of $2 billion of commercial mortgage investments. Additional responsibilities involve the ongoing management of the $17 billion commercial mortgage portfolio. The ideal candidate is looking to grow his/her responsibilities in both credit analysis and new business development.

Primary Location: Charlotte, NC, US - In office Monday-Thursday; Fridays Flexible
Alternate Locations: Greensboro, NC, US - In office Monday-Thursday; Fridays Flexible

What you'll be doing
• Support in business development through mortgage banking relationships within assigned geographic territory.
• Underwrite new commercial real estate loans and present analysis and investment recommendations to the Managing Director(s).
• Draft term sheets, applications and other transaction related documents.
• Complete due diligence including review of leases, rent rolls, third party reports, estoppels, and other business-related matters.
• Work with legal counsel to negotiate loan applications.
• Draft investment committee memos and present for approval to the Head of Real Estate.
• Serve as business liaison throughout the loan closing process working collaboratively with appropriate internal/external stakeholders to effectuate a timely closing.
• Travels independently on due diligence and business development trips.
• Support Portfolio Management through surveillance of existing loan portfolio.
• Handles special servicing requests as requested.
• Additional investment support may include equity and credit fund investments.

What we're looking for

Must- have experience:
• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) - Minimum Required
• 4-6+ Years' experience required in commercial real estate finance and/or commercial real estate investment and analysis that aligns with the specific responsibilities for this position.
• Experience analyzing asset lending transactions.
• Knowledge of commercial real estate principles and valuation methods.
• Knowledge of national commercial real estate markets and macro-economic trends that affect those markets.
• Ability to understand and evaluate real estate financial statements.
• Knowledge of real estate legal concepts and understanding of loan documents.
• Ability to understand and apply financial concepts such as but not limited to Future Value, Present Value, Compound Interest, Discounting, Capitalization Rates, and Internal Rate of Return (IRR).
• Proficiency with Microsoft Excel and PowerPoint
• Experience with Costar and Argus preferred.

Travel: 20%-30% (intermittent)

Application Deadline

Applications for this position will be accepted through August 1st, 2026 subject to earlier closure due to applicant volume.

What's in it for you:

• Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
• Leadership development and virtual training opportunities
• PTO/parental leave
• Competitive 401K and employee benefits
• Free financial counseling, health coaching and employee assistance program
• Tuition assistance program
• Work arrangements that work for you
• Effective productivity/technology tools and training