| Job Title |
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Commercial Real Estate Officer |
| Job Profile |
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Job DescriptionConduct and prepare annual reviews on commercial real estate loansAnnual loan review will require analyst to conduct file review of the loan’s credit file, document file, and appraisal reportPerforms risk grade analysis by analyzing collateral property’s operating statement, tax returns, and financial statement(s) submitted by the borrower and/or guarantor(sIdentify and evaluate credit and collateral risks, if anyCoordinate collateral property site inspections with Bank approved external inspectors, or perform personal site inspectionsEnsure annual reviews and risk ratings are in accordance with Bank’s established Policies and ProceduresManages a portfolio of accounts assigned by Portfolio ManagerMonitors account delinquencies and maturities on an on going basisResponsible for the disbursement of Hold Back FundsResponsible for loan modifications and/or assumptions; and coordinates with Bank’s Loan Servicing Department issuance of partial reconveyance on applicable loansContact Borrower/Guarantor(s) to request and to follow up for financial statement(s) and tax return(s) to ensure Borrower is in compliance with annual loan reporting requirements and loan covenantsRoutinely update Department’s Master Credit Policy Manual; Credit Risk Manual; and Credit Administration BulletinsWork with department’s Administrative Assistant to ensuredepartment files are routinely updatedSuch files include Credit Files, Approved CCR Binders, and Annual Review BindersMaintain Borrower/Guarantor annual financial reporting tracking log on assigned portfolioWork with CRE Account Officers in handling and resolving inquires, issues,or problems Borrower(s) may have with their loan(s) with the BankRespond to Participant Bank’s inquires or requests on CRE loans which have been participated with or to other Bank(sDisseminate copies of Borrower/Guarantor’s annual tax returns, personal financial statement, and collateral property’s annual rent roll and operating statement to Participant Bank(sMaintain current list of Participant Bank(s) and corresponding CRE loan(s) which they are a participantPerform loan and account inquiries on Metavante system and generate various reports from Star PC for portfolio management purposesSkills/RequirementsMINIMUM REQUIREMENTSBA degree in business, finance or economicsMinimum five (5) years experience with credit analysisthree3) years experience in commercial real estate lending preferred. Excellent inter-personal and communication skills to effectively work with banking colleagues of all levels, as well as with customers, in person or by telephone in a professional, fast-paced, business banking environment. Attention to detail and accuracy in all aspects of work assignments; intermediate PC skills with MS Word and ExcelTyping of 45 wpm; ability to travel as needed (approx. 10% annually |
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