Commercial Real Estate Loan Officer

The Commercial Real Estate Loan Officer will be responsible for originating a sound portfolio of commercial real estate loans by utilizing marketing strategies directed at both new and existing bank customers and through other channels such as real estate and mortgage brokers. Loans shall meet established bank lending parameters and in compliance with regulatory guidelines while maximizing overall profitability to the bank.

Responsibilities:

Designs business development programs, which includes actively calling on potential borrowers to develop new business. (Utilizes existing customer base in other areas of the bank and develop mortgage and real estate broker channels.)

Interviews and assess loan applicants; describe application review process and discuss features and benefits of Bank's loan programs; discuss key aspects of financing such as rates, terms.
Utilizes decision-making abilities and credit analysis skills to make appropriate credit and structuring recommendations.
Works closely with the Loan Processor and Loan Underwriter through the application and underwriting phase and assist in preparation and presentation of loan approval memorandums.
Learns and maintains a thorough working knowledge and ensure adherence to all new regulatory compliance, Bank policies and procedures and loan program changes.
Prepares competitive market surveys, recommend modifications to loan programs, and pricing; develop and recommend improvements to existing marketing and loan programs; provide input to senior management to streamline and improve loan services for the benefit of the Bank and client.
Achieves annual origination goals as established by production manager.
Actively participates in sales and marketing management and provide leadership, training and support to less experienced loan officers and other staff members.

Attends industry, trade and related association meetings that promote the Bank's exposure as appropriate while effectively and professionally representing the Bank in the community.
Identifies and analyzes potential loan markets to develop prospects for commercial real estate loans.
Promotes and cross-sells other establishment products and services as appropriate to customer requirements.

Knows and complies with relevant portions of the Bank Secrecy Act (BSA), OFAC, USA Patriot Act and Anti-Money Laundering (AML) guidelines.Complies with all applicable regulations, policies, and procedures regarding the security, confidentiality, and privacy of non-public personal information about customers and consumers, including, but not limited to the Gramm-Leach-Bliley Act (GLBA), corporate security policies, and departmental procedures

Requirements:

Bachelor's degree in business, finance or related field OR any combination of experience, training, or education. (MBA preferred)
At least 5 years experience commercial real estate lending experience within a regulated financial institution.

Demonstrated analytical skills and proficient in Microsoft Office.
Outstanding oral and written communication skills
Effective sales/marketing and customer service techniques along with excellent writing and presentation skills.
Strong knowledge of commercial banking policies and procedures and relevant regulatory guidelines
Detailed knowledge of multiple commercial real estate collateral types including but not limited to multifamily, office, retail and industrial/warehouse.
Self-motivated with proficient time management skills

Must be able to exercise independent judgment, take instruction as well as persuade and give instructions.

Local candidates are encouraged. Sorry, we are unable to sponsor or transfer at this time.

Key Words: Commercial Real Estate Lending, Business Development, Loan Officer, Loan Programs, Policies, Procedures, Regulatory Compliance, Market Surveys, Pricing, Mortgage and Real Estate Broker Channels, Regulated Financial Institution