CRE Portfolio Manager II

Overview

This role involves underwriting and managing complex commercial real estate (CRE) loan originations within the Commercial Real Estate Division, supporting credit decisions through thorough analysis and recommendations.

Responsibilities

• Analyze and investigate credit and financial information on prospective and existing customers, including performing credit inquiries and analyzing data from customers, credit bureaus, other financial institutions, and bank files.
• Prepare credit requests, modifications, and extensions within the portfolio.
• Provide credit and project analysis, risk assessments, summaries, and recommendations for CRE Relationship Managers and Credit Administration on new and existing credits.
• Collaborate with Loan Administration and Credit Administration in loan closings, including reviewing loan and entity documentation, assisting with loan budget preparation, and providing support as needed.
• Track and analyze financial information for new, renewed, and existing loans.
• Monitor loan terms for covenant compliance on existing loans.
• Establish, review, and update new and existing loan files, and ensure maintenance of the loan monitoring system.
• Manage financial information files to ensure current reports, statements, accounts receivable, and other information on customer accounts.
• Manage credit files to ensure receipt of current and accurate financial information, including tax returns, inventory, credit reports, financial statements, cash flows, and contingent liabilities.
• Responsible for master file maintenance and quality.
• Work with CRE Relationship Managers to establish and maintain proper documents related to perfection of the bank’s lien position on loans secured by various collateral.
• Provide technical or advisory assistance to CRE Relationship Managers as requested.
• Maintain loan policy manuals and update them as needed.
• Support CRE Relationship Managers in customer relationship management as needed.
• Conduct site visits of existing and potential projects as necessary.
• (In conjunction with the CRE Relationship Manager) manage portfolio priorities, including reporting issues, maturities, delinquencies, and loan performance (including construction progress through absorption and lease-up performance, covenant compliance, and the appropriateness of ongoing risk ratings).
• Assist with periodic external and internal loan reviews.
• Comply with policies, procedures, security requirements, and government regulations, including adherence to company and credit policies, auditing procedures, and department goals and standards.

Requirements

• Bachelor’s Degree in Accounting, Business, Economics, Law, Computer Science or other related field required (an equivalent combination of education and experience may be considered).
• 6 or more years of banking credit analysis experience required.

Knowledge, Skills, and Abilities

• Advanced analytical skills and working knowledge of financial accounting, with the ability to spread and analyze financial statements, cash flows, and tax returns for companies and individuals with moderate to complex structures to determine financial support feasibility for credit requests.
• Knowledge of company formation structures and ability to identify borrowing and guaranty structures.
• Advanced skills managing portfolio needs, including reporting issues, concentrations, maturities, delinquencies, and loan performance (including construction progress through absorption and lease-up execution, covenant compliance, and the appropriateness of ongoing risk ratings).
• Excellent verbal and written communication, organizational, and interpersonal skills.
• Ability to effectively manage customer relationship and maintenance issues in the absence of CRE Relationship Managers.
• Ability to understand client needs, identify potential cross-sell opportunities, and participate in team calling goals involving joint retention calls and prospecting activity.
• Proficiency in Word, Excel, Teams, SharePoint, and other similar programs.
• Knowledge of federal and state laws and regulations relating to Commercial Real Estate Lending.

Compensation & Benefits

• Targeted starting compensation range (based on location and experience): $131,319 - 154,493
• Incentive and commission compensation may be awarded for eligible roles
• Comprehensive employee benefits, including medical, dental, vision, LTD, STD and life
• Paid vacation time, sick time, personal days, paid volunteer time, and 11 company paid holidays
• 401k (up to 4% match with immediate vesting)
• Tuition reimbursement up to $5,250 annually (minimum service requirement)

Location

Geographic coverage includes Washington, Oregon, Idaho, and California. Travel: 20%.

Equal Opportunity

Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability, or protected veteran status.

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