Bachelor’s degree in Finance, Business, Economics, Real Estate, or a related field
Minimum 5 years of experience in real estate lending, commercial banking, mortgage banking, or credit underwriting
Strong knowledge of real estate finance principles and credit analysis
Experience analyzing property cash flows and borrower financials
Understanding of loan documentation and risk management
Excellent relationship management and business development skills
Strong analytical, negotiation, and communication abilities
Responsibilities
Originate and develop new real estate lending opportunities
Analyze borrower financial statements and creditworthiness
Evaluate real estate collateral and market conditions
Structure loan terms and negotiate financing solutions
Partner with credit teams to underwrite and approve loans
Prepare and present credit memorandums for loan approval
Manage a portfolio of commercial and/or residential real estate loans
Benefits
Opportunity to work at Customers Bank’s West Reading office
Engagement in a role that offers professional growth in a dynamic sector
Access to a broad network of real estate professionals
Collaborative environment working with teams across various departments
Stability of working with an established financial institution
Full Job Description
What You’ll Do:
We are seeking an experienced Real Estate Lender with 5+ years of lending experience out of Customers Bank’s West Reading office to originate, structure, underwrite, and manage commercial and/or residential real estate loans. The ideal candidate will possess strong credit analysis skills, a proven track record of business development, and the ability to build long-term relationships with borrowers, developers, brokers, and investors.
Originate and develop new real estate lending opportunities.
Analyze borrower financial statements, tax returns, cash flow, and creditworthiness.
Evaluate real estate collateral, market conditions, and property performance.
Structure loan terms and negotiate financing solutions that meet client needs while adhering to credit policies.
Partner with credit teams to underwrite and approve loans in accordance with bank policies.
Prepare and present credit memorandums for loan approval.
Manage a portfolio of commercial and/or residential real estate loans.
Conduct property inspections and borrower meetings as required.
Coordinate with underwriting, legal, appraisal, and closing teams throughout the loan process.
Monitor loan performance and ensure ongoing compliance with lending requirements.
Maintain knowledge of industry trends, regulatory requirements, and market conditions.
Develop referral networks with real estate brokers, developers, attorneys, CPAs, and other industry professionals.
Manage renewals, modifications, and refinancing.
What Do You Need?
Required Qualifications:
Bachelor’s degree in Finance, Business, Economics, Real Estate, or related field.
Minimum 5 years of experience in real estate lending, commercial banking, mortgage banking, or credit underwriting.
Strong knowledge of real estate finance principles, loan structuring, and credit analysis.
Understanding of loan documentation, regulatory requirements, and risk management practices.
Excellent relationship management and business development skills.
Strong analytical, negotiation, and communication abilities.
Preferred Qualifications:
Experience with commercial real estate (CRE), multifamily, retail, office, industrial, construction, bridge, or investment property lending.
Existing network of real estate professionals and referral sources.
Professional certifications related to banking, finance, or real estate.
Technology Skills:
Proficiency in Microsoft Office Suite and financial analysis software.
Ability to work with the Microsoft Suite and learn/work with other Customers Bank’s applications.
Familiarity with AI and automation tools that support productivity, workflow efficiency, and client engagement.
About Customers Bank
Customers Bank is a full-service bank that provides a range of financial products and services to individuals, businesses, and institutions. The bank offers checking and savings accounts, loans, mortgages, credit cards, and wealth management services, among others. Customers Bank operates through a network of branches and ATMs in several states, including Pennsylvania, New York, New Jersey, Rhode Island, Massachusetts, New Hampshire, and Illinois. The bank is known for its innovative digital banking solutions, such as its mobile app and online banking platform, which allow customers to manage their accounts and transactions from anywhere, anytime.
