Commercial Real Estate Relationship Manager IV
Atlantic Union Bank
full-time
Posted on:
Location Type: Office
Location: Reston • Virginia • United States
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Salary
💰 $135,161 - $225,795 per year
About the role
- Assumes overall responsibility, development and management of their borrowing and non-borrowing portfolio
- Underwrites, originates and effectively manages a portfolio of loans generally secured by commercial and/or residential real estate collateral
- Provides advice and guidance on policies and manages larger and more complex loan relationships as well as more complex lending structures
- Participates in the development of new business by acquiring, retaining and expanding client relationships
- May assist other lenders with underwriting of commercial real estate loans
- Responsible for growing a high-quality portfolio of real estate loans and associated deposits within designated market area
- Develop and maintain a quality loan portfolio
- Maximize bank profitability through appropriate pricing of new loan originations, fee income, and cross selling of all bank products & services
- Pre-screen potential new loans with credit officer to determine appropriate structure
- Prepare loan approval packages for approval and facilitate through process
- Monitor loan portfolio and maintain updated financial information
- Manage the bank’s complex commercial real estate loan relationships
- Responsible for making business development calls and contributing to overall Bank objectives of quality new loan and deposit growth
- Sell and cross-sell deposits and other bank products such as Treasury services in a profitable manner
- Make recommendations to management on procedural improvements
- Assist other Relationship Managers with customer requests and serves as a source for real estate lending knowledge
- Assist in mentoring teammates, to include credit analysis, financial spread sheet preparation and underwriting
- Maintain pipeline of existing relationships and new prospects
- Ensure that own work is in compliance with applicable policies, procedures, laws, regulations and guidelines
- Participate in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace
- Establishes referral contacts and Centers of Influence (COI) within the community
- Regularly corresponds with Senior Credit Officer(s); Loan Review Department; attorneys, loan support and loan processing areas
- Seek out largest and most complex CRE customers
- Other duties as assigned
Requirements
- Bachelor's degree in Business, Economics, or finance preferred or equivalent banking experience
- Minimum 10 years of commercial real estate banking experience and a proven track record of generating deposit and fee income
- Very strong credit skills evident
- Ability to manage large and complex relationships and more complex lending structures
- Proficient in analyzing commercial real estate credit applications
- Advanced knowledge of typical CRE collateral documentation - title insurance, deeds of trust, assignment of rents & leases, hazard insurance, flood insurance, UCC filings, etc.
- Thorough knowledge of financial and credit aspects of commercial real estate lending such as credit analysis, global cash flow analysis and Debt Service Coverage
- Comprehensive knowledge of commercial appraisal and loan underwriting methodologies
- Excellent organizational skills, initiative, dependability and ability to work with minimal direction
- Ability to manage multiple projects while meeting goals
- Strong knowledge of Microsoft Office including Outlook, Word and Excel
Benefits
- General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
commercial real estate bankingcredit analysisglobal cash flow analysisDebt Service Coverageloan underwriting methodologiesanalyzing commercial real estate credit applicationsCRE collateral documentationportfolio managementbusiness developmentloan approval preparation
Soft Skills
organizational skillsinitiativedependabilityability to work with minimal directionrelationship managementmentoringcommunicationproblem-solvingproject managementcustomer service
Certifications
Bachelor's degree in BusinessBachelor's degree in EconomicsBachelor's degree in Finance