Commercial Real Estate Lending Relationship Manager

CRITICAL DUTIES, TASKS AND ACCOUNTABILITIES

Commercial Real Estate Lending Relationship Manager

An instrumental member of the transaction execution team accountable for delivering finance solutions to sophisticated Commercial Real Estate borrowers.

Represents the bank throughout the region in a manner aligned with the client's aspiration to be the financial institution of choice and recognized as a top business leader in all of our markets.

Primary responsible for guiding sales and business development efforts in the region; sales management efforts should include focus on loan growth, deposit growth, non-interest income growth and cross-functional referral activity to support all business objectives of the company.

Accountable for overall profitability of all markets making up the region; includes accountability for pricing disciplines, net interest margin management, optimization of non-interest income, and operating efficiency within defined company targets.

Principal responsible for representing the client bank's culture of responsibility throughout the region with an emphasis on communication; cultivation of employee recognition, engagement & teamwork; consistent performance management; and ongoing professional growth and development of associates.

Meets or exceeds annual goals as pre-established that are aligned with the strategic plan.

Meets or exceeds budgeted ROE, ROA, or other key metrics.

Retains key senior team members, minimizing unwanted turnover.

Embodies the aspirational standard for exceptional customer experience, as defined in the bank's long-range strategic plan and sets the tone of this standard throughout the region; this includes ownership of customer experience recovery associated with service complaints within the region.

Has an acute familiarity with the most profitable customer relationships in each of the markets defined for the region.

Tasked with full responsibility for cultivating high level of engagement of members of Local Advisory Boards of Directors as ambassadors for the bank in our communities; may serve as the designated chair for all local advisory boards within the region; works with all region employees to ensure advisory board member performance is consistent with our expectations for advisors to be strong source of community influence and engagement in the markets and a source of new business referrals for the bank.

Participates in all strategic planning activities and embraces ownership of appropriate strategic execution priorities as assigned.

Expected to lead by example in alignment with the company's Servant Leadership philosophy

Will be expected to take responsibility to ensure that internal and external customers receive outstanding service.

Will adhere to compliance with laws concerning financial institutions

May be asked to perform other duties as required by business needs.

The leader will be expected to keep current on trends and business conditions in the banking and market areas as assigned; remain current on changes within the legal, regulatory, economic, competitive, and technology environments which may impact operations to the bank, and support adaptability to change which is imminent going forward.

This executive may be asked to complete special assignments as directed by the President or CEO.

Analyzing property cash flow statements, business operating statements, business tax returns and financial statements. Must have a complete understanding of cash flow reports, financial ratios, trends, etc. Must be able to identify recurring and non-recurring sources of cash flow, the property's ability to cover debt service and ability of client/guarantor to support the property.

Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines

Underwrite real estate credits and prepare credit memos for new loans as well as for renewals, modifications and short-term extensions. This includes financial and risk analysis, purpose of loan, repayment sources, collateral, financial & reporting covenants, tenant analysis, and sponsor and project team summary.

Must be able to understand and review real estate documents (leases, loan documents, appraisals, etc.) to identify any potential issues and concerns.