This role involves developing and maintaining commercial real estate banking relationships, structuring loans, and ensuring credit quality for an own account portfolio.
Job Summary & Responsibilities
Bachelor's Degree in Business, Finance, Real Estate Accounting, Marketing or related field required Alternate combinations of education and experience may be considered required
SUMMARY: This is a business development position responsible for reviewing, analyzing and structuring new lending opportunities; developing and maintaining Commercial Real Estate banking relationships; and marketing BankUnited's loan and other banking products.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
- Develops and services a wide variety of CRE lending relationships involving various business products and services, including credit, depository and those of affiliated business partners.
- Responsible for the solicitation and servicing of CRE's professional relationships, including both loans and deposits, for own account portfolio through joint calling initiatives.
- Maintains high level of service and support to existing customers to maximize opportunities for repeat business.
- Performs pre-qualification assessment of applicants and obtains information regarding earnings and financial condition to evaluate the applicant's creditworthiness and alignment with BankUnited's credit policy. Will partner with a Senior CRE Relationship Manager on structuring loans, developing relationship strategies and will also partner with deposit team.
- Negotiates terms and conditions of loan with borrowers.
- Assesses loan profitability, prepares term sheets and credit memos to preview deals to management.
- Direct accountability for the credit quality of own portfolio including delinquencies, watch list loans, timely identification of problem loan situations, loan work out and recovery.
- Ensures the preparation and processing of forms and legal documents required for closing CRE.
- Follows current loans to ensure conformity with terms.
- Responsible for most sophisticated lending relationships in portfolio.
- Responsible for development of less experienced officers and credit analyst.
- Assists Division Executive in formulating and implementing the new business development plan for the Division's respective geographic markets, including the directing and monitoring of the direct calling program.
- Assists Division Executive with all business client related activities within the geographic markets, and facilitates training and development initiatives to enhance performance both in terms of new business production and sound credit quality.
- Assists Division Executive in developing periodic budgets and action plans to accomplish corporate objectives as it relates to the growth of the construction portfolio.
- Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
- Adheres to Bank policies and procedures and completes required training.
- Identifies and reports suspicious activity.
EDUCATION
Bachelor's Degree in Business, Finance, Real Estate Accounting, Marketing or related field required Alternate combinations of education and experience may be considered required
EXPERIENCE
- 4-6 Years of commercial lending experience required
CERTIFICATES, LICENSES, REGISTRATIONS
- DL NUMBER - Driver License, Valid and in State
KNOWLEDGE, SKILLS AND ABILITIES
- Handles all but the most complex accounts
- Assists and guides less-experienced employees in the complex phases of property appraisal and extension of credit for interim CRE mortgage loans;
- Updates and rains bank personnel on CRE lending product knowledge.
ADDITIONAL INFORMATION
- Candidates residing in locations within BankUnited's footprint may be given preference.
Top Skills
Banking Products
Commercial Real Estate Lending
Financial Analysis
Relationship Management
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