Job Description

Company Overview:
Our client is a commercial bank that combines the financial strength and global reach of a major international bank with the personalized service of a boutique lender. The firm has a strong track record with commercial real estate and construction financing. They can offer tailored financing, treasury management, and liquidity solutions to middle-market and growth-oriented companies across key sectors, including commercial real estate, healthcare, technology, and manufacturing. Guided by its commitment to “Personal Service. Sector Expertise. Tailored Solutions.” They foster a collaborative and client-focused culture where employees work closely with industry specialists and senior leadership to deliver customized banking solutions and long-term value for clients.

Position Overview:
This position’s primary responsibility is new business development and existing/new account management. This person will originate commercial real estate loan transactions within the Bank’s target market that are consistent with credit policy and procedures. The Relationship Manager serves as the account and transaction quarterback. The role includes the review of the transaction’s credit parameters, loan documentation, and other reports related to CRE transactions. The RM will manage the account from origination through loan maturity. This person must have the ability to effectively interface with credit analysts, customer service associates, portfolio managers, senior management, outside counsel, and vendors. Strong knowledge of real estate transactions, referral sources, and direct clients is required. Possessing a pipeline of new clients is a plus.

Responsibilities

Develop new business, cross-sell the bank’s products to existing clients, as necessary, and prescreen potential new transactions.
Act as the client’s primary firm contact and oversee the portfolio and accounts both assigned and developed, including all compliance, regulatory, and account-related matters.
Review transactions, discuss pros and cons with CRE Team Leader, and prepare transaction prescreen memos and term sheets.
Coordinate with other RM’s and Credit Analysts to seek appropriate credit approvals for any modifications to existing credits.
Review and evaluate new transactions with a focus on loan purpose/rationale, sponsor, location, collateral, LTV, tenancy, the competitive marketplace, and bank exit strategy.
Review, inspect, and evaluate property types, associated appraisals, PCA, Phase I, and other related property reports
Work in conjunction with and guide underwriters to prepare and review Credit Application (“CAP”) for accuracy, structure, and clarity. Seek Team Leader sign-off after RM reviews.
Present Credit Application to Credit Committee, work with legal counsel, and spearhead all compliance, KYC, and any post-closing requirements with the support of the CSA.
Use of proprietary systems required to review, book, and fund loan transactions effectively.
Mentor, train, and develop junior staff.

Experience:

Minimum 5 years CRE banking; construction finance a plus.

Knowledge:

Direct contact with and ability to attract and retain quality Sponsors, develop customer relationships and cultivate referral sources.
Lending experience within major real estate asset classes.
Strong analytic abilities and knowledge of financial metrics related to CRE.
Sophisticated financial skills, quantitative underwriting skills, and a capital markets perspective with ability to structure loans to achieve the bank’s investment requirements.

Technical Skills:

Ability to quickly assess LTV, DSCR, sponsor acumen, and a potential transaction’s seminal credit risks – and then identify and articulate appropriate mitigants to said risks.

Education: