Real Estate Portfolio Management - Associate

Sumitomo Mitsui Financial Group, Inc. • $150K — $200K *
New York, NY 10025In-Person
Real Estate & Construction
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Bachelor's degree in finance, real estate, economics, accounting, or a related field.
  • 2-4 years of experience in commercial real estate portfolio management, asset management, credit risk, lending, or similar roles.
  • Familiarity with back-levered structures preferred but not essential.
  • Strong proficiency in Excel and Word with experience in financial spreading and basic modeling.
  • Working knowledge of commercial real estate loan structures and key loan documents.

Responsibilities

  • Manage deal transfers from origination, ensuring proper documentation and tracking.
  • Establish and maintain standardized folder structures for data integrity.
  • Serve as the initial point of contact for borrowers on routine matters.
  • Maintain performance trackers comparing actual results against approved benchmarks.
  • Review borrower reporting packages to identify trends and variances.
  • Monitor key loan features including covenants and milestone dates.
  • Prepare draft credit reviews and support internal risk processes.

Benefits

  • Hybrid work model allowing flexibility between home and office.
  • Collaborative environment with opportunities for mentorship and career growth.
  • Involvement in diverse projects that enhance professional development.
Full Job Description


Role Description

The Associate is an early-career individual contributor responsible for day-to-day portfolio management activities for a portfolio of commercial real estate direct-lending and back-levered transactions of low to moderate complexity. The role focuses on disciplined execution, data accuracy, and issue identification, with work performed under the guidance of the Team Head and senior portfolio managers. Over time, the Associate is expected to build deeper credit judgment, transaction understanding, and borrower-facing capability, supporting more complex assets and situations as experience grows.

Role Objectives: Delivery

Portfolio Onboarding & Administration
  • Manage deal transfers from origination by collecting and organizing executed loan documents, credit approvals, and required reporting.
  • Establish and maintain standardized folder structures and tracking tools to ensure data integrity and audit readiness.
  • Serve as an initial point of contact for borrowers or administrative agents for routine matters, escalating issues as appropriate.

Portfolio Monitoring & Analysis
  • Maintain performance trackers comparing operating and financial results against the approved base case.
  • Review borrower reporting packages for completeness and consistency, identifying trends or variances requiring escalation.
  • Monitor key structural features such as covenants, cash sweep triggers, milestone dates, and extension requirements.

Credit Support & Reviews
  • Prepare draft annual and interim credit reviews, including performance summaries, risk considerations, and supporting analysis, under senior guidance.
  • Assist in updating financial projections based on observed performance and market inputs, following established assumptions.
  • Support internal risk rating and regulatory classification processes with well-organized analysis and documentation.

Amendments, Consents & Special Requests
  • Assist in analyzing the credit impact of amendments, waivers, consents, and refinancings.
  • Coordinate with internal stakeholders and external counsel on documentation, comments, and approvals.
  • Track internal approvals and closing deliverables to support timely execution.

Team & Stakeholder Support
  • Respond to internal and external information requests related to assigned portfolios.
  • Support senior team members on special projects, portfolio initiatives, and ad hoc analyses.


Qualifications and Skills

  • Education: Bachelor's degree in finance, real estate, economics, accounting, or a related field.
  • Experience: 2-4 years of experience in commercial real estate portfolio management, asset management, credit risk, lending, or a related function. Familiarity with back-levered (a.k.a. note-on-note or warehousing) structures preferred but not required.
  • Technical Skills:
    • Strong proficiency in Excel and Word; experience with financial spreading and basic modeling.
    • Working knowledge of commercial real estate loan structures and key loan documents.


Additional Requirements

SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required.

About Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Financial Group, Inc. Careers

There has never been a more opportune time to join the dynamic team at Sumitomo Mitsui Financial Group, Inc. (SMFG)—a leading force in the financial services industry recognized for its leadership in innovation and diversity.

Explore Job Opportunities

Sumitomo Mitsui Financial Group, Inc. offers a plethora of job opportunities that cater to a variety of skills and interests. The company is renowned for its commitment to professional growth and leadership development, making it an ideal environment for ambitious individuals looking to advance their careers.

Experience Professional Growth

At SMFG, career advancement is not just a possibility but a priority. The company supports its team members with extensive training programs, including leadership development and diversity training, ensuring that every employee has the tools and knowledge necessary to succeed.

Join a Diverse and Inclusive Team

Diversity and inclusion are at the core of the company culture at Sumitomo Mitsui Financial Group, Inc. With a global team that values unique perspectives and fosters a collaborative and inclusive environment, SMFG is a place where everyone can thrive.

Internship Programs

For those starting their career journey, SMFG offers internship programs that provide a robust foundation in the financial sector. Interns gain invaluable experience, working alongside seasoned professionals and engaging in projects that offer real-world applications of their studies.

Benefits and Culture

Sumitomo Mitsui Financial Group, Inc. is dedicated to not only attracting but also retaining top talent by offering competitive benefits that enhance both personal and professional life. The company culture promotes work-life balance, employee well-being, and continuous learning.

Innovative Work Environment

Innovation is a key driver of SMFG’s success. Employees are encouraged to bring forward-thinking ideas to the table and are provided with the resources to transform these ideas into actionable solutions that drive the financial industry forward.

Networking and Career Development

Networking opportunities within SMFG are abundant. Employees are encouraged to connect with colleagues and industry leaders through various platforms and events, enhancing their professional network and opening doors to myriad career opportunities.

Apply for a Position

Sumitomo Mitsui Financial Group, Inc. is actively hiring and looking for talented individuals who are passionate, curious, and driven. Explore open positions that match your skills and interests on the SMFG careers page.

Stay Connected with SMFG Careers

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Prepare for Your Interview

Aspiring to join SMFG? Prepare your resume to reflect your best self and gear up for the interview process where you can showcase your skills and passion for finance and innovation.

Career Opportunities Await

At Sumitomo Mitsui Financial Group, Inc., the potential for professional development and personal growth is limitless. Discover the exciting and rewarding career opportunities that await at SMFG, where every position contributes to the company’s global success and leadership in the financial industry.
Learn more about Sumitomo Mitsui Financial Group, Inc.
Industry
Finance & Insurance
* Ladders Estimates

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