Analyst, Specialty Underwriting and Portfolio Manager CRE

Analyst, Specialty Underwriting and Portfolio Manager CRE VA (Onsite) Role Type: Fulltime
Job Description
The Underwriting and Portfolio Management organization is responsible for working with internal
partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters
and Portfolio Managers balance supporting the Commercial Bank s growth and ensuring we have a
scalable, well-managed business. This role supports the REIF/Real Estate Fund Finance Group
within Commercial Real Estate.
Commercial Real Estate (CRE)
As an Analyst, Underwriting & Portfolio Management, you have advanced beyond the fundamentals
of credit risk management and are expected to perform most responsibilities with minimal oversight.
In addition to identifying risks and mitigants, you begin to identify and escalate trends or anomalies on
individual deals or within the portfolio.
Responsibilities:
Perform due diligence on industry and company performance; synthesize research and begin to draw
conclusions; may start to lead diligence calls
Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk
Prepare financial modeling inputs with little guidance; understand model mechanics and consider
overrides or exceptions
Analyze appropriate structuring options considering collateral and borrower valuation
Write and prepare majority of the credit approval document; provide meaningful contribution to
internal meetings, including deal review and pipeline meetings
Coordinate and complete closing process requirements
Begin to shadow more senior underwriters on reviewing and negotiating legal documentation
Communicate with all external constituents; exhibit a sense of urgency toward meeting client requests
Prepare term sheets, commitment letters and fee letters with guidance; basic understanding of credit
documents.
Demonstrate ownership of a portfolio of existing customers with minimal guidance; may take on more
complex or higher volume of accounts
Complete annual reviews and both material and non-material modifications independently and on time
Monitor and determine upgrades or downgrades to risk ratings
Ensure compliance with credit policies and procedures for existing accounts
Respond to requests from all internal and external stakeholders
Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting
capabilities
Escalate and resolve problem accounts in partnership with other teams and specialists
Build relationships across function and business to foster collaboration between partner groups
Mentor and train rotational analysts and new hires
Participate in internal initiatives to ensure the business is well-managed and operates efficiently
Basic Qualifications:
Bachelor s Degree or Military Experience
At least 2 years of experience in credit underwriting, portfolio management or commercial real estate
Preferred Qualifications:
Bachelor's Degree in Accounting, Finance, or other relevant fields
Previous experience in underwriting or portfolio or asset management
Completed coursework or training in commercial real estate & credit risk management
Fluency in either Microsoft Office or Google Suite