Responsible for origination, underwriting and closing of commercial real estate loans and responsible for managing client relationships.
Responsible for originating, underwriting and closing of commercial real estate loans
Analyze new loan opportunities
Interview clients and prospects regarding credit and service needs
Perform site inspections
Order and review appraisals and other third party reports
Evaluate financial and operating information including property level cash flow and guarantor financial information
Prepare proposals, commercial loan presentations and commitment letters
Work with Loan Operations and/or attorneys to generate and review loan documents and coordinate loan closings
Prepare checklists and gather required documentation
Based on workload and as approved by the EVP, VP may work with other Commercial Banking--Real Estate loan officers to originate, underwrite and close commercial real estate loans
2. Management of client relationships
Negotiate loan extensions and renewals
Respond to client inquiries
With the assistance of the CRE administrator, request and gather updated financial and operating information. Confirm or recommend loan grade changes based on analysis performed
Prepare status memos for the credit files as needed
Assist in preparation of watch reports, board reports and other reporting as needed
Work with Loan Operations, Deposit Operations and Treasury Management to meet clients’ banking needs
Review and approve draw requests
Monitor and address past due loans and overdrawn deposit accounts
3. Additional departmental duties
Attend department meetings
Attend Management Loan Committee and Director’s Loan Committee meetings
Attend Officer meetings
Review information on market trends in commercial real estate
Subject matter expert on Loan Policy guidelines
Attend training as required
4. Participate in CRA activities
Other duties as assigned
Knowledge, Skills & Abilities
Strong verbal and written skills
Skilled at deal structuring, financial analysis and loan underwriting
Strong history of loan originations, existing book of business
Knowledge of real estate lending, loan policy and regulatory requirements
Proficiency in Microsoft Office applications, including Excel and Word
Ability to interact with clients in a professional, tactful and diplomatic manner
Ability to collaborate with loan officers, Loan Operations, Credit and Treasury Management to accomplish goals
Ability to multi-task while meeting deadlines
Ability to supervise and mentor less experienced staff
Ability to form action plans to address down-graded credits
Training & Experience
High School diploma or GED
College degree in Finance, Accounting or a related field
2-3 years of financial analysis experience/credit training, preferably through a bank credit department
10 years experience in a commercial real estate lending environment
Real estate sales brokerage or appraisal experience is helpful, but not necessary
Internal Number: 2020-05
About First Bank of Highland Park
First Bank of Highland Park is a community bank committed to our Clients and the community at large. We have worked side-by-side with our Clients since 1955 combining practicality with creativity, while always remaining a consistent and steady financial partner in good and bad economies.
Our mission is to provide our Clients with exceptional service coupled with competitive rates and products without bureaucracy. We understand that banking today is more challenging than yesterday, but as a family business, we understand the advantage of being able to remain visionary and focused on the long term picture. Additionally, being independently owned and operated, allows us the authority and flexibility to make decisions quickly. That translates to exceptional service from experienced bankers and staff.
First Bank of Highland Park offers an exceptional benefits program and a highly competitive compensation package.
First Bank of Highland Park conducts credit and background checks on all candidates.
First Bank of Highland Park is an Equal Opportunity Employer: disability/veteran.
To Apply: Send email with attached resume to email@example.com.