CRE Portfolio Manager II

This is a fully remote position, open to applicants in Utah.

📋 Description

• Underwrite and oversee intricate commercial real estate loan originations within the Commercial Real Estate Division.

• Develop and evaluate commercial real estate credits, providing comprehensive recommendations.

• Collaborate with CRE Relationship Managers, Credit Administration, and Loan Administration to prepare credit opportunities.

• Analyze credit and financial data from customers, credit bureaus, financial institutions, and Bank records.

• Prepare credit requests, modifications, and extensions, along with project analyses, risk assessments, summaries, and recommendations.

• Work together on loan closings, review loan and entity documentation, and support loan budget preparation.

• Track and assess financial information for new, renewed, and existing loans.

• Monitor loan terms for covenant compliance, and manage loan files and monitoring systems.

• Oversee customer financial information and credit records, including tax returns, inventory, credit reports, financial statements, cash flows, and contingent liabilities.

• Maintain documentation that supports the Bank's lien position, and provide technical or advisory assistance to CRE Relationship Managers.

• Support customer relationship management and conduct site visits as needed.

• Manage portfolio priorities, including reporting issues, maturities, delinquencies, loan performance, construction progress, lease-up performance, covenant compliance, and risk ratings.

• Assist with periodic internal and external loan reviews.

• Adhere to policies, procedures, security requirements, government regulations, auditing protocols, and departmental objectives.

⛳️ Requirements

• Bachelor’s Degree in Accounting, Business, Economics, Law, Computer Science, or a related field is required (an equivalent combination of education and experience may be considered).

• A minimum of 6 years of banking credit analysis experience is required.

• Possess advanced analytical skills and a solid understanding of financial accounting.

• Ability to analyze and interpret financial statements, cash flows, and tax returns for companies and individuals with moderate to complex structures.

• Knowledge of company formation structures along with borrowing and guaranty structures.

• Advanced skills in managing portfolio requirements, including reporting issues, concentrations, maturities, delinquencies, loan performance, construction progress, lease-up execution, covenant compliance, and risk ratings.

• Excellent verbal and written communication, organizational, and interpersonal abilities.

• Competent in managing customer relationships and maintenance issues in the absence of CRE Relationship Managers.

• Ability to comprehend client needs, identify potential cross-selling opportunities, and engage in team calling objectives.

• Proficient in Word, Excel, Teams, SharePoint, and similar software.

• Understanding of federal and state laws and regulations related to Commercial Real Estate Lending.

• Willingness to travel up to 20% of the time.

🏝️ Benefits

• Incentive and commission compensation may be available for qualifying roles.

• Comprehensive employee benefits package, including medical, dental, vision, long-term disability (LTD), short-term disability (STD), and life insurance.

• Paid vacation time, sick leave, personal days, paid volunteer time, and 11 company-paid holidays.

• 401k plan with up to a 4% match and immediate vesting.

• Tuition reimbursement up to $5,250 annually (minimum service requirement applies).