Key skills
Communication
About this role
At BankPlus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true.
All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.
General Position Scope:
The Commercial Real Estate Portfolio Manager I is responsible for evaluating and preparing commercial real estate loan packages in a timely manner while adhering to bank standards and loan policies. The CRE Portfolio Manager will work with a credit officer, if applicable, and Commercial Real Estate Lenders to meet client and bank expectations.
Duties and Responsibilities:
• The Commercial Real Estate Portfolio Manager I will learn to underwrite loan requests which include new loans, amendments, extensions, modifications and renewals.
• Works with lender to analyze financial information and produce a cash flow worksheet.
• Responsible for performing and reviewing financial analyses.
• Analyze financial statements, industry and market data and prepare credit approval package that clearly outlines and expresses an independent opinion on key considerations in the credit decision.
• Orders financial spreads, global cash flow analysis, appraisals, evaluations, and environmentals.
• Work with Lender in evaluating the general contractor and property management company, if applicable.
• Along with lender, review draw requests, title endorsements and coordinates property inspection and certification of draw by an independent inspector.
• Responsible for working with lender and customer, including accompanying lender with customer calls and collect financial information.
• Track and resolve document exceptions related to closing and all ongoing exceptions.
• Test project performance against original underwriting and appraisal projections upon receipt of required reporting information.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Work with CRE Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests.
• Pull credit reports.
• Works with lender to produce term sheets and commitment letters.
• Works with lender in entering information in nCino and submitting loan packages for approval.
• Gather all appropriate documentation such as Leases, other special conditions, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Remain informed of current economic and legislation conditions.
• Serve in civic, community and industry related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations.
• Maintains a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Completes required compliance training and adheres to the Bank’s standard of conduct.
• Participates in the bank’s High-Performance Rewards Connections program.
• Makes referrals to the Mortgage Center and Wealth Management.
• Performs other duties as requested.
Position Requirements:
• Bachelor’s degree in Business Administration, Finance, Accounting or a closely related field
• Minimum 2 years’ credit analysis experience and working with CRE Underwriters and Lenders or a Master’s degree in Business Administration, Finance, Accounting or a closely related field
• Experience assisting CRE Lenders with high dollar credit amounts
• Knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required
• Able to interpret and analyze personal and business tax returns/financial statements
• Ability to calculate complicated financial ratios and apply accordingly
• Excellent communication skills both orally and in writing, read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
• Ability to write reports and business correspondence
• General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook
• Must possess attention to detail
• Work outside of regular business hours, as deemed necessary
• Ability to handle multiple tasks with daily deadlines.
BankPlus is an Equal Opportunity Employer and does not discriminate in hiring or employment on the basis of race, color, religion, national origin, citizenship, gender, marital status, sexual orientation, age, disability, veteran status, or any other characteristic protected by federal, state, or local law.
We maintain a drug-free workplace and perform pre-employment substance abuse testing.
All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.
General Position Scope:
The Commercial Real Estate Portfolio Manager I is responsible for evaluating and preparing commercial real estate loan packages in a timely manner while adhering to bank standards and loan policies. The CRE Portfolio Manager will work with a credit officer, if applicable, and Commercial Real Estate Lenders to meet client and bank expectations.
Duties and Responsibilities:
• The Commercial Real Estate Portfolio Manager I will learn to underwrite loan requests which include new loans, amendments, extensions, modifications and renewals.
• Works with lender to analyze financial information and produce a cash flow worksheet.
• Responsible for performing and reviewing financial analyses.
• Analyze financial statements, industry and market data and prepare credit approval package that clearly outlines and expresses an independent opinion on key considerations in the credit decision.
• Orders financial spreads, global cash flow analysis, appraisals, evaluations, and environmentals.
• Work with Lender in evaluating the general contractor and property management company, if applicable.
• Along with lender, review draw requests, title endorsements and coordinates property inspection and certification of draw by an independent inspector.
• Responsible for working with lender and customer, including accompanying lender with customer calls and collect financial information.
• Track and resolve document exceptions related to closing and all ongoing exceptions.
• Test project performance against original underwriting and appraisal projections upon receipt of required reporting information.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Work with CRE Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests.
• Pull credit reports.
• Works with lender to produce term sheets and commitment letters.
• Works with lender in entering information in nCino and submitting loan packages for approval.
• Gather all appropriate documentation such as Leases, other special conditions, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Remain informed of current economic and legislation conditions.
• Serve in civic, community and industry related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations.
• Maintains a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Completes required compliance training and adheres to the Bank’s standard of conduct.
• Participates in the bank’s High-Performance Rewards Connections program.
• Makes referrals to the Mortgage Center and Wealth Management.
• Performs other duties as requested.
Position Requirements:
• Bachelor’s degree in Business Administration, Finance, Accounting or a closely related field
• Minimum 2 years’ credit analysis experience and working with CRE Underwriters and Lenders or a Master’s degree in Business Administration, Finance, Accounting or a closely related field
• Experience assisting CRE Lenders with high dollar credit amounts
• Knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required
• Able to interpret and analyze personal and business tax returns/financial statements
• Ability to calculate complicated financial ratios and apply accordingly
• Excellent communication skills both orally and in writing, read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
• Ability to write reports and business correspondence
• General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook
• Must possess attention to detail
• Work outside of regular business hours, as deemed necessary
• Ability to handle multiple tasks with daily deadlines.
BankPlus is an Equal Opportunity Employer and does not discriminate in hiring or employment on the basis of race, color, religion, national origin, citizenship, gender, marital status, sexual orientation, age, disability, veteran status, or any other characteristic protected by federal, state, or local law.
We maintain a drug-free workplace and perform pre-employment substance abuse testing.