Raymond James Financial, Inc. logo

Portfolio Manager CRE

Raymond James Financial, Inc.

Cleveland, OHJobSeen 4 days agoSeen in employer's feed 4 days ago

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At a glance

Compensation
No compensation found
Location
Cleveland, OH
Work Authorization
Not specified

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Requirements

Credentials this posting asks for.

Bachelor's degree

Job overview

The Portfolio Manager CRE underwrites credit extensions, conducts detailed financial analysis for commercial real estate and personal lending, and prepares loan documentation for senior committee review. They manage assigned loan portfolios, ensure compliance with credit policies, set up credit facilities, produce periodic financial reviews and reports, and support relationship managers on client calls.

Skills & qualifications

RequiredNice to have

Skills

Commercial Real Estate FinanceOrganizationAttention to DetailWritten CommunicationVerbal CommunicationPresentation SkillsIndependent WorkTeamworkSpreadsheet ApplicationsWord Processing ApplicationsGraphs and ChartsFinancial Analysis

Qualifications

Bachelor's Degree in Finance or Accounting or Related Field5 Years Credit Analysis and Underwriting ExperienceCompletion of Bank Commercial Credit Training Program

Full job description

Primary Functions of the Position:

  • Underwrites requests for credit extensions to new and existing clients

  • 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

  • Assessment of Real Estate Sponsorship

  • Manages / monitors assigned portfolio for:

  • Loan Performance

  • Accurate and Timely Risk Rating

  • Required Financial Reporting

  • Covenant Compliance

  • Payment Delinquencies

  • Overdrafts

  • Monthly Construction Monitoring

  • Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they 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 where required

  • Prepares monthly special asset reports for senior management as required.

  • Ensures the timely spreading of financial statements provided by clients

  • 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

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