Bachelor's degree in Finance, Real Estate, Business Administration, Accounting, or similar field.
5+ years in commercial real estate lending or related banking functions.
2+ years in a supervisory or management role.
Strong knowledge of credit risk management and loan documentation.
Proficiency in managing problem loans and workout strategies.
Excellent analytical and financial statement analysis skills.
Familiarity with FDIC and other regulatory requirements.
Strong leadership and communication abilities.
Responsibilities
Manage and oversee the real estate loan portfolio's performance and risk profile.
Conduct ongoing credit analyses and identify emerging risks in the portfolio.
Ensure timely completion of loan renewals and modifications.
Lead strategies for managing criticized and classified assets.
Develop resolutions for problem loans while balancing risk and relationships.
Direct staff development and foster a high-performance culture.
Ensure readiness for audits and coordinate responses accurately.
Benefits
Comprehensive health insurance plans.
Retirement savings plan with employer match.
Paid time off and holiday pay.
Professional development opportunities and training.
Flexible work schedule options.
Full Job Description
The estimated salary for this position is $100,000-$120,000/Annually.
Duties and Responsibilities/Results
Portfolio Management & Credit Risk Oversight
Manage and monitor the performance, quality, and risk profile of the Bank's commercial and residential real estate loan portfolio.
Conduct ongoing portfolio reviews, credit analyses, covenant monitoring, and risk assessments to identify emerging risks and ensure timely resolution of exceptions.
Analyze borrower financial statements, property performance, market conditions, and third-party information to evaluate credit quality and portfolio trends.
Ensure timely completion of loan renewals, modifications, annual reviews, and other portfolio monitoring requirements.
Assist in the preparation and presentation of credit recommendations and portfolio analyses for Credit Committee and Senior Management.
Problem Loan Management & Workout Administration
Lead the review, analysis, and management of criticized and classified assets, including commercial real estate loan workouts, restructurings, modifications, and loss mitigation strategies.
Develop and recommend resolution strategies for problem loans, balancing risk mitigation, asset preservation, and relationship management objectives.
Monitor workout plans and borrower performance to ensure timely execution and resolution.
Coordinate with legal counsel, compliance, loan operations, and other internal stakeholders regarding loan modifications, restructurings, and enforcement actions.
Leadership & Staff Development
Direct, coach, mentor, and develop Portfolio Management staff to ensure high levels of performance, accountability, and professional growth.
Conduct performance evaluations, provide ongoing feedback, identify training opportunities, and address performance issues when necessary.
Foster a culture of collaboration, continuous improvement, regulatory compliance, and sound credit administration.
Provide guidance and technical expertise to staff regarding portfolio management, credit analysis, and problem loan resolution.
Reporting, Compliance & Process Improvement
Provide overall leadership and accountability for departmental readiness for internal audits, external audits, regulatory examinations, external loan reviews, and compliance assessments.
Direct and oversee the preparation, coordination, and delivery of all audit and examination requests, ensuring responses are accurate, complete, timely, and supported by appropriate documentation.
Serve as the primary departmental liaison for internal auditors, external auditors, regulators, loan review firms, and other independent reviewers.
Review audit findings, examination reports, loan review observations, and regulatory recommendations and develop appropriate corrective action plans.
Monitor and report on the status of audit findings, management responses, remediation activities, and corrective action plans to ensure timely resolution.
Ensure portfolio management records, loan files, risk-rating documentation, exception tracking, and departmental reporting are maintained in a manner that supports regulatory compliance and examination readiness.
Coordinate periodic portfolio reviews, stress testing exercises, and independent loan review engagements and ensure resulting recommendations are appropriately addressed.
Promote a strong culture of compliance, accountability, risk awareness, and continuous improvement throughout the department.
Maintain current knowledge of applicable banking regulations, accounting guidance, credit administration standards, and industry best practices affecting portfolio management activities.
Required Qualifications:
Bachelor's degree in Finance, Real Estate, Business Administration, Accounting, or related field.
Minimum 5 years of experience in commercial real estate lending, portfolio management, loan review, credit administration, workout management, or related banking functions.
Minimum 2 years of supervisory or management experience.
Strong knowledge of commercial and residential real estate lending, credit risk management, loan documentation, and portfolio administration.
Demonstrated experience managing problem loans, restructurings, and workout strategies.
Strong analytical, financial statement analysis, and credit underwriting skills.
Working knowledge of FDIC, DFS, and other applicable regulatory requirements.
Excellent leadership, communication, presentation, and relationship management skills.
Proven ability to manage multiple priorities and interact effectively across all organizational levels.
Preferred Qualifications:
Advanced degree (MBA, MS Finance, MS Real Estate, or related field).
Experience with commercial loan review, criticized asset management, and regulatory examinations.
Experience managing mixed commercial and residential real estate portfolios.
Primary Success Measures
Portfolio asset quality and risk-rating accuracy.
Timely completion of portfolio reviews, renewals, modifications, and covenant monitoring.
Successful management and resolution of criticized and classified assets.
