Provide accurate financial analysis, profitability, and risk assessment to make lending decisions on new, renewal and extension loans for the following asset types: multifamily, office, medical office, industrial, retail, and self-storage
Create comprehensive, detailed, and thoughtful opportunity memos and full credit approvals for new business clients which will include client and sponsors’ background, history, market experience and global real estate portfolio
Independently analyze credit and financial information of property and individuals to determine the degree of risk associated with the extension of credit
Oversee documentation and ongoing monitoring of asset and client performance
Work with relationship managers and loan administration to facilitate loan closings, modifications, and renewals
Proactively manage covenant compliance testing for existing clients and new clients on an ongoing basis
Review and process construction draws in conjunction with the construction loan administration department, title company and borrower
Work with external and internal business partners on review of deal related legal documents
Develop a working knowledge of credit/loan policy for credit requests and exceptions
Review credit approval memorandums and attorney-prepared loan documents for new and renewed loans to ensure compliance and adherence to the loan approval guidelines
Interact with lending staff, deal teams and clients in a welcoming and professional manner
Qualifications
Bachelor’s degree (Business, Finance, Accounting or Economics preferred)
Strong understanding of general credit and risk principles, and banking policies/procedures; formal bank credit training is preferred