Portfolio Manager - Investment Commercial Real Estate

Job Title

This position is responsible for facilitating decisioning and analysis of all types of credit information to support lending decisions and processes. Maintains and promotes a client service environment to satisfy and exceed member needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Credit Union and NCUA Policies & Procedures.

Duties & Responsibilities

• Manages and services a portfolio of existing commercial loan relationships.
• Underwrites, analyzes, and prepares credit memos. Develops credit information to make lending decisions on new, renewal and extension loans.
• Reviews, analyzes and evaluates risks of new or existing business. Prepares summaries, present facts and offers opinions concerning credit worthiness.
• Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. and provides accurate financial analysis and risk assessment of new and existing customers.
• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
• Expands and builds strong relationships with a high degree of member satisfaction.
• Serves as a daily escalation resource to ensure member expectations are met or exceeded.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Helps determine business priorities and best sequence for execution of business / group strategy.
• Acts as the prime subject matter expert for internal / external stakeholders.
• Participates in the development of financial models and other analytical tools to assist members in evaluating capital structure.
• Develops regular and ad-hoc reports and dashboards to monitor performance and inform future decisions.
• Maintains current insight on financing trends in target markets; and communicate same to team members.
• Coordinates the preparation of lending proposals and pitches to current and prospective members with efforts to maximize penetration and returns.
• Negotiates transactions with members and provides deal structuring expertise.
• Partners with internal stakeholders for accurate, detailed client information.
• Minimizes risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Additional duties as assigned.

Requirements

Education and Experience Requirements :

Required Knowledge, Skills and Abilities :

Preferred Knowledge, Skills and Abilities :