Underwriting and Portfolio Manager - CRE Exp- Fulltime- Onsite (Richmond, Virginia)

Job Description – Analyst, Underwriting & Portfolio Management

Position Overview

• Support the Underwriting & Portfolio Management organization.
• Work with internal partners to underwrite new transactions and manage existing loan portfolios.
• Support the REIF / Real Estate Fund Finance Group within Commercial Real Estate (CRE).
• Analyze credit risk while supporting business growth.

Key Responsibilities

• Conduct due diligence on industry and company performance.
• Perform financial analysis and identify risks, disparities, and potential mitigants.
• Prepare and review financial modeling inputs.
• Understand financial model mechanics and evaluate overrides or exceptions.
• Analyze loan structuring options based on collateral and borrower valuation.
• Prepare credit approval documents and contribute to deal review and pipeline meetings.
• Coordinate and complete loan closing requirements.
• Assist senior underwriters with reviewing and negotiating legal documentation.
• Communicate with internal and external stakeholders and respond to client requests.
• Prepare term sheets, commitment letters, and fee letters with guidance.
• Manage an assigned portfolio of existing customers.
• Complete annual reviews and material/non-material portfolio modifications.
• Monitor risk ratings and recommend upgrades or downgrades.
• Ensure compliance with credit policies and procedures.
• Maintain accurate and complete portfolio data.
• Identify, escalate, and resolve problem accounts with relevant teams.
• Build strong relationships across business and functional teams.
• Mentor and train rotational analysts and new hires.
• Participate in internal initiatives to improve business efficiency.

Basic Qualifications

• Bachelor''s degree or military experience.
• 2+ years of experience in:
  • Credit underwriting
  • Portfolio management
  • Commercial real estate

Preferred Qualifications

• Bachelor''s degree in:
  • Finance
  • Accounting
  • Economics
  • Or another relevant field
• Previous underwriting, portfolio management, or asset management experience.
• Coursework or training in Commercial Real Estate and Credit Risk Management.
• Strong proficiency with Microsoft Office or Google Workspace.
• Strong financial analysis and financial modeling skills.
• Strong communication, analytical, and problem-solving skills.