About The Role

Job Description Summary

The Commercial Real Estate (CRE) Portfolio Manager assists the relationship managers with the underwriting of credit and the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.

Job Description

Primary Functions of the Position

Underwrites requests for credit extensions to new and existing clients
Performs detailed financial analysis for CRE and, on occasion, personal lending opportunities
Prepares the following for presentation to Senior Loan Committee:
Credit Approval Request (CAR)
Modifications
Covenant Waivers/Amendments
Assessment of Real Estate Sponsorship
Manages / monitors assigned portfolio for:
Loan Performance
Accurate and Timely Risk Rating
Required Financial Reporting
Covenant Compliance
Payment Delinquencies
Overdrafts
Monthly Construction Monitoring
Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements and covenants contained in the loan documents
Prepares periodic financial reviews where required
Prepares monthly special asset reports for senior management as required.
Ensures the timely spreading of financial statements provided by clients
Accompanies the relationship manager on prospect / client calls when appropriate

Education and Experience Requirements

Bachelor’s Degree in Finance, Accounting, or related field
Minimum of 5 years of credit analysis and underwriting experience
Completion of a bank commercial credit training program and experience analyzing commercial / residential real estate projects (income producing properties including retail, office, industrial and multi-family; land acquisition and development loans, and construction loans) strongly preferred

Essential Skills and Abilities

Demonstrated knowledge of investment commercial real estate finance for multiple loan and property types
Excellent organization skills, attention to detail and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
Strong written and verbal communication skills
Strong presentation skills
Ability to work independently and within a team
Proficient in various spreadsheet and word processing applications, including the use of graphs and charts

Education

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance

Work Experience

General Experience - 3 to 6 years

Certifications

Travel

Less than 25%

Workstyle

Resident

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to

Grow professionally and inspire others to do the same
Work with and through others to achieve desired outcomes
Make prompt, pragmatic choices and act with the client in mind
Take ownership and hold themselves and others accountable for delivering results that matter
Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.