CRE Portfolio Manager Associate / CRE Portfolio Manager I
Location: US-GA-Atlanta
Job ID: 2025-19028 | Category: Corporate Banking | Type: Regular Full‑Time | Grade: 12 | FLSA Status: Exempt | Working Hours: 8-5 | Company: Atlanta Commercial RE -10341
Overview
The purpose of this job is to operate under the guidance of the Commercial Real Estate Portfolio Manager in the day‑to‑day activities of the Commercial Real Estate Department, while developing and building the skills necessary to progress as a Portfolio Manager. Other purposes are to assist in portfolio management, the preparation of loan packages, learning to monitor loan covenant compliance, exception reporting, clearing exceptions, loan draws, etc., and to conduct special projects as required.
Responsibilities
- Development of prospect list
- Work with Commercial Real Estate personnel on a day‑to‑day basis to continue learning the fundamentals of loan portfolio management, including underwriting, risk analysis, risk rating, packaging, presentation, renewal process, and portfolio management with oversight from an experienced Commercial Real Estate Portfolio Manager.
- Continue learning and assisting with monitoring loan covenant compliance, exceptions and past dues, and loan draws/advances.
- Make joint calls with the Commercial Real Estate Relationship Managers or Portfolio Managers to gather information for loan presentation and participate in follow‑up calls as needed.
- Level I additional responsibilities:
- Assessment of credit quality and proper risk rating for Commercial Real Estate loan portfolio.
- Determination of data required for loan packages.
- Portfolio management decisions.
- Determination of which existing customers would be potential candidates for expanded services.
- Practice commercial loan portfolio management skills through practical application of assigned portfolio, including project analysis, loan underwriting, risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan document preparation and closing, collateral analysis, past‑due notice management, and collaboration with Audit, Loan Review and OCC as needed.
- Monitor loan compliance covenant, exceptions, past dues, and construction progress to ensure loan draws are funded and documented.
- Makes joint calls with the CRE Relationship Managers to gather information for the client and go on follow‑up calls as needed.
- Solicits existing portfolio customers to increase and retain volume and cross‑sell bank products and services; promotes customer relations.
Qualifications
- Four‑year college degree preferred.
- Minimum of two (2) years banking experience or equivalent in one or a combination of the following areas:
- Management Development Program
- Level I additional qualifications:
- Bachelor's degree in Business, Finance, or Accounting related field, or equivalent experience.
- Minimum of three years (3) of commercial lending/credit experience.
- Experience with real estate or commercial lending risk analysis.
- Well‑developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations.
- Detailed knowledge of credit analysis practice and procedure.
- Familiarity with products and services offered by financial services institutions.
- Excellent interpersonal skills.
- Developed decision making.
- Proven ability to build relationships.
- Time management and organization skills.
- Computer skills to include word processing and spreadsheet application.
- Effective analytical skills.
- Ability to interact with external and internal customers.
Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.