Job Description Summary

Analyze credit proposals and customer characteristics to determine credit worthiness and appropriate terms for approval in accordance with policies and risk appetite.

Summary of the Position:

The Commercial Real Estate (CRE) Credit Portfolio Manager assists the relationship managers with the underwriting of new and existing relationships to ensure the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.

Primary Functions of the Position:

• Underwrites requests for credit extensions to new and existing clients (new money business)
• Performs detailed financial analysis for CRE and, on occasion, personal lending opportunities
• Prepares the following for presentation to Senior Loan Committee:
  • Credit Approval Request (CAR)
  • Modifications
  • Covenant Waivers/Amendments
  • Accurate and Timely Risk Rating
  • Assessment of Real Estate Sponsorship
• Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval as they occur
• In collaboration with RM and Closer, facilitates Pre-Close Kick off Call between Closer, Portfolio Manager, Bank Counsel, Borrower Counsel and other parties.
• Ensures final loan documentation is consistent with credit approvals prior to closing.
• Accompanies the relationship manager on prospect / client calls when appropriate

Education and Experience Requirements:

• Bachelor’s Degree in Finance, Accounting, or related field
• Minimum of 5 years of credit analysis and underwriting experience
• 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 and Abilities:

• Demonstrated knowledge of investment commercial real estate finance for multiple loan and property types
• 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 communication skills
• Strong presentation skills
• Ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications, including the use of graphs and charts

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: FinanceGeneral Experience - 3 to 6 yearsCertified Anti-Money Laundering Specialist (ACAMS) - Association of Certified Anti-Money Laundering Specialists (ACAMS)

Travel

Workstyle

Resident

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.