Senior Market & Investor CRE Portfolio Manager

**Description**

• *Location:** On site in Tampa, FL, Naples, FL, Orlando, FL, Miami, FL
• *SUMMARY**

Provides analytical and monitoring support for large commercial real estate loans including an independent analysis of the creditworthiness of customers and prospects.

• *ESSENTIAL DUTIES AND RESPONSIBILITIES**

The Portfolio Manager - Market/ Investor CRE will be responsible for preparing comprehensive credit analyses on non-owner occupied commercial real estate loans that facilitates the credit approval process. The Portfolio Manager should have a thorough understanding of various types of lending facilities as well as commercial real estate product types (i.e. retail, office, multi-family, lodging, industrial, ALF/ senior living, etc.). In addition, the Portfolio Manager will be responsible for monitoring the real estate portfolio including, but not limited to, periodic review and analysis of financial information, identification of negative trends, and preparation of covenant checks in support of the commercial lending function.

Market/ Investor CRE Underwriting Manager to provide production goals based upon needed level of supervision and complexity of deal flow.

• *ROLES AND RESPONSIBILITIES - COMMERCIAL LOAN ORIGINATION PROCESSES**

_Market/ Investor CRE Portfolio Managers are to adhere to Service Level Agreements as outlined in Workflow Procedures._

• *ROLES AND RESPONSIBILITIES - PORTFOLIO MANAGEMENT**

+ Review monthly, quarterly and annual rent rolls, operating statements, etc. for progress, trends, issues, etc.

+ Identify portfolio weaknesses and trends and alert Relationship Manager and Market/ Investor CRE Underwriting Manager to deteriorating portfolio conditions

+ Prepare covenant checks as required by Loan Agreement and follow procedures for the handling of loans deemed to be "out of compliance." Update nCinco as covenant checks are completed and advance the days accordingly.

+ Monitor progress on construction loans via inspection reports, progress relative to borrower projections, delays, etc.

+ Prepare annual reviews

+ Update Loss Given Default and Probability of Default models according to required due dates, upon completion of construction or as a result of changing conditions that impact the risk profile

+ Proactively manage upcoming loan maturities and renewals working with the Relationship Manager

+ Monitor past dues and overdrafts working with the Relationship Manager to resolve

+ Ensure loans are coded correctly on the loan system once approved and booked. Ensure construction loans are correctly re-coded once a project is complete

+ Once a loan is booked, ensure that the covenant definitions in nCinco match the requirements in the Loan Agreement.

+ Review Loan Reviews and respond as appropriate to any noted deficiencies

+ Ensure nCinco is updated with the appropriate documentation evidencing the monitoring of the portfolio according to the applicable procedures.

+ Attend client meetings with the Relationship Manager (when possible)

+ Attend portfolio review meetings with product partners

• *ROLES AND RESPONSIBILITIES - OTHER**

+ All other duties as assigned

• *SUPERVISORY RESPONSIBILITIES**

None

• *QUALIFICATIONS** - to perform this job successfull