Real Estate Portfolio Risk Officer

4 weeks ago

Miami, United States City National Bank of Florida Full time

Overview:
Responsible for the ongoing administration of assigned loan portfolio, including but not limited to, underwriting and processing of new commercial real estate credit requests including more complex credits, construction projects, underwriting specialty property assets, renewals/modifications of existing credits including more complex credits, performing or overseeing timely completion of annual loan reviews, monitoring loan covenants, and assessing changes in risk based upon prevailing market and industry conditions. This position will directly report to and be responsible for performing special projects for the Real Estate Risk Manager, or their designee, as needed.

Principal Duties & Responsibilities:

- Participates with Relationship Managers by monitoring, maintaining and potentially growing loan portfolios. Help with the identification of any changes in risk associated with existing loans and take necessary course of action.
- Supports Relationship Managers in their sales efforts, accompanying Relationship Managers on joint client and prospect calls, and supports other sales/client-oriented projects as needed including but not limited to providing market research.
- Develops a working knowledge of all existing client relationships and prospect opportunities.
- Ensures compliance with underwriting guidelines, credit policy, as well as regulatory requirements and responsibility for understanding all material respective changes and their potential impact on the loan portfolio.
- Conducts or coordinates structuring and underwriting of new credit requests and preparation of credit approval packages, responsible for aggregating credit relationship details and quality control of any supporting analysis prepared by colleagues in conjunction with the underwriting process.
- Supports Relationship Managers in the maintenance of existing loan client relationships by processing renewal/modification transactions related to upcoming maturing credits including participating in any applicable restructuring of existing terms and conditions.
- Collaborates with the Relationship Manager in the gathering of clients’ financial information for timely preparation of all underwriting and portfolio servicing assignments including but not limited to annual loan review and covenant testing.
- Responsible for keeping the Real Estate Risk Manager and or the Director of Real Estate Risk advised on adverse changes in the risk profile of loans within their assigned portfolio due to changes in financial performance as well as market and industry conditions.
- Support the Relationship Manager when necessary to document risk rating changes, Watch List Action Plans, and or the transfer of under performing credits to the Asset Recovery Department.
- Participates with Bank examiners, auditors, and loan review staff in their review of the Real Estate loan portfolio, including coordination of any loan related requested materials and completion of responses as required.
- Participates in industry-sponsored associations, seminars, and activities to further the Bank’s understanding and presence in the market.
- Conducts ad hoc projects and assignments as directed by the Real Estate Risk Manager or Director of Real Estate Risk, or their designee.

Qualifications:

- 8-10 years of commercial real estate underwriting and or portfolio management, preferably with OCC regulated institutions.
- Construction underwriting experience a plus.
- C&I experience (with owner-occupied Real Estate) a plus.
- Computer literate; fluency in Microsoft Office programs, particularly Excel analysis required.
- Strong verbal, written, and interpersonal skills.
- Effective report writing and other written communication skills.
- Detailed-oriented and organized.
- Ability to solve problems, make decisions, juggle underwriting of multiple deals, prioritize tasks, and meet required deadlines.
- Ability to highlight loan risks or any problems or questions during the deal underwriting phase and prior to finalizing the analysis.
- Ability to make decisions quickly and confidently based upon the analysis.
- Ability to work independently with mínimal supervision.
- Clear verbal communication with internal clients as well as external clients and third-party participants (as needed).
- Ability to establish and maintain effective work relationships both internally and externally.

**Education**:

- Bachelor's Degree in Accounting, Finance, or Economics.
- Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
- Please view Equal Employment Opportunity Posters provided by OFCCP here.
- The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cann

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