Portfolio Manager - CRE

Job Description Summary

Job Description

Primary Functions of thePosition:

• Underwrites requests for credit extensions to new and existingclients
• Performs detailed financial analysis for CRE and, on occasion, personal lendingopportunities
• Prepares the following for presentation to Senior LoanCommittee:
  • Credit Approval Request(CAR)
  • Modifications
  • CovenantWaivers/Amendments
  • Assessment of Real EstateSponsorship
• Manages / monitors assigned portfoliofor:
  • LoanPerformance
  • Accurate and Timely RiskRating
  • Required FinancialReporting
  • CovenantCompliance
  • PaymentDelinquencies
  • Overdrafts
  • Monthly ConstructionMonitoring
• Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval whenthey 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 whererequired
• Prepares monthly special asset reports for senior management asrequired.
• Ensures the timely spreading of financial statements provided byclients
• Accompanies the relationship manager on prospect / client calls whenappropriate

Education and ExperienceRequirements:

• Bachelor’s Degree in Finance, Accounting, or relatedfield
• Minimum of 5 years of credit analysis and underwritingexperience
• 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 andAbilities:

• Demonstrated knowledge of investment commercial real estate finance for multiple loan and propertytypes
• 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 communicationskills
• Strong presentationskills
• Ability to work independently and within ateam
• Proficient in various spreadsheet and word processing applications, including the use of graphs andcharts

Education

Work Experience

Certifications

Travel

Workstyle

The total compensation for this position includes base salary orwages, 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.