Commercial Real Estate (CRE) Relationship Manager

Univest Financial Corporation

$150K — $160K *
Real Estate & Construction
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 3-5 years of commercial banking experience with a focus on credit judgment and business development.
  • Expertise in commercial real estate lending, particularly for construction, bridge, and permanent financing.
  • Proven track record in generating new client relationships and expanding existing ones through cross-selling.
  • Strong skills in portfolio management, including loan grading and risk identification.
  • Bachelor's degree in finance, accounting, business, or equivalent experience; real estate financial analysis training preferred.
  • Excellent communication skills and executive presence, with a focus on community engagement.
  • Familiarity with banking technology, Microsoft Office, financial tools, CRM systems (like Salesforce), and credit platforms (such as ncino).

Responsibilities

  • Develop and grow a commercial real estate portfolio targeting construction and bridge loans.
  • Act as the primary contact for CRE clients, providing financial guidance and anticipating needs.
  • Generate new leads and clients through targeted outreach and community involvement.
  • Cross-sell bank services to enhance relationship profitability.
  • Assess customer business models and credit needs to tailor lending solutions.
  • Structure and negotiate loan terms in accordance with bank policies.
  • Prepare analyses and submit loan requests for underwriting and approval.

Benefits

  • Comprehensive health and dental insurance options.
  • 401(k) plan with company match to support retirement planning.
  • Generous paid time off policy, including holidays and vacation days.
  • Professional development opportunities to help advance your career.
  • Employee assistance programs for personal and professional support.
Full Job Description
Overview

We're looking for a motivated Commercial Real Estate Relationship Manager who can develop and manage commercial real estate relationships in Baltimore, MD on behalf of Univest, delivering lending and financial solutions, identifying growth opportunities, and providing exceptional client service while maintaining a strong loan portfolio.

Responsibilities
• Develop, manage, and grow a commercial real estate portfolio focused on construction, bridge, and permanent loans while executing a clear plan for relationship expansion and profitability.
• Serve as the primary relationship owner for CRE clients by delivering trusted financial guidance, anticipating client needs, and coordinating solutions across the bank.
• Generate new prospects and convert new clients through targeted calling, market visibility, referral development, and active participation in business and community organizations.
• Expand relationship profitability by cross-selling compensating deposit balances, treasury management services, and other Univest solutions in partnership with internal business lines.
• Understand each customer's business model, real estate strategy, borrowing needs, repayment capacity, and long-term plans in order to structure appropriate credit solutions.
• Structure, negotiate, and recommend credit terms within loan policy, including interest rate, repayment structure, collateral requirements, covenant expectations, and risk-adjusted pricing.
• Prepare initial analysis, deal screens and term sheets. Submit loan requests for underwriting, approval, and presentation while ensuring complete, accurate, and timely credit information.

Qualifications
• 3-5 years commercial banking experience with strong credit judgment, business development discipline, and demonstrated ability to grow and manage a profitable commercial real estate portfolio.
• Required expertise in commercial real estate lending, including construction, bridge, and permanent financing, with the ability to evaluate project feasibility, borrower capacity, repayment sources, collateral, and risk-adjusted pricing.
• Demonstrated success generating new client relationships, expanding existing relationships, and cross-selling deposits, treasury management, and other bank solutions.
• Strong portfolio management capabilities, including loan grading, covenant monitoring, exception resolution, credit presentation, and proactive risk identification.
• Bachelor's degree in finance, accounting, business, or equivalent related experience required; formal commercial real estate financial analysis training preferred.
• Strong executive presence, communication skills, community engagement, and ability to collaborate across credit, treasury management, retail, wealth, and other business partners.
• Proficiency with current banking technology, Microsoft Office applications, financial spreading tools, CRM systems (Salesforce), and credit workflow platforms (ncino)

Wage Range:

The salary for this position starts at $150,000.00 - $160,000.00.

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