Responsible for loan structuring and analysis, deal prescreening, drafting term sheets, drafting credit applications, origination pipeline management and other tasks in support of Commercial Real Estate Team (CRE) Team’s loan origination and client management matters.
Main Duties and Responsibilities
• Depending on experience, manage their own book of business, both assigned and developed; including all compliance, regulatory, and account related matters.
• Prepare pre-screens for new transactions by analyzing property financials, Sponsor financials, business plan and market data.
• Review appraisals and other due diligence reports, and proactively identify issues and concerns.
• Assist in sizing and structuring new transactions and complex refinances, draft Term Sheets and assist Relationship Managers in deal negotiations.
• Liaise with various parties to ensure approved credit requests are carried out in a timely manner (3rd party consultants, attorneys and other vendors).
• In conjunction with Loan Closer, execute the loan closing process and facilitate the flow of loan legal documents (customer, bank).
• Liaise between Relationship Managers and the Credit Division (Underwriters, Credit Officers) to facilitate credit needs of customers.
• Assist Relationship Managers with all customer related requirements.
• Attend site inspections and client meetings with Relationship Managers.
• Perform other duties, as assigned, which fall within scope of responsibility, including but not limited to portfolio reporting, maintaining pipeline, activity reports, and relationship plans.
Qualifications Needed
• Strong quantitative/analytical skills including CRE underwriting, financial modeling, writing and attention to detail;
• Strong working knowledge of all functional areas that comprise CRE finance
• Strong work ethic, initiative, ownership/accountability and follow-through on responsibilities and assignments.
• Excellent communication skills (verbal and written) at all levels throughout the Bank, as well as borrowers, participating lenders and third party vendors.
• Strong project management and organizational skills.
• Experience with hospitality and residential condominium projects is a plus.
• Experience with ground-up construction is a plus.
• Maintain current knowledge of BOM, policy guidelines and bank compliance requirements (BSA/AML/OFAC and other regulations) and participate in training and policy initiatives as required.
OTHER PERTINENT INFORMATION
Experience Required/Preferred: 2-7 years of relevant experience.
Education Required/Preferred: Bachelor’s Degree with a concentration in Finance/Accounting/Economics.
Seniority level
Associate
Employment type
Full-time
Job function
Finance
Industries
Financial Services and Real Estate
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