Loan Officer II, Real Estate

Team

Real Estate

Nature & Scope

Individual will be responsible for supporting the marketing, business development, and loan origination goals of the National Real Estate Team. The candidate's primary focus will be to facilitate the profitable and efficient origination of salable commercial real estate loans.

Responsibilities Include

1. Assist in the marketing and business development strategy for origination of salable and portfolio commercial and multifamily real estate loans. Identify and develop new real estate clients and correspondent relationships to achieve loan origination goals. Participate in industry conferences and other marketing and networking events to educate prospective clients about NCB, FSB and the solutions we offer to meet their financial needs.

2. Manage credit risk by structuring real estate transactions to conform to established credit policy guidelines and CMBS industry standards. Utilize credit and analytical skills to underwrite and mitigate credit risk to acceptable levels. Communicate closely with manager and CCO to ensure the acceptability of risk parameters for new loans transactions. Negotiate loan pricing to adequately compensate for risk and to achieve profitability targets.

3. Manage and maintain key external relationships involved in sourcing and supporting new real estate loan origination. These contacts include borrowers, correspondents, brokers, conduit counsel, and other third party representatives.

4. Manage the loan process from initial client contact through closing by means of effective communication with both internal and external customers and third party relationships. Work closely with the Mortgage Underwriting Team to underwrite financing transactions, issue loan proposal terms, and draft the credit approvals. Interact with Transaction Coordinator as needed to assist in facilitating loan documentation and closings. Ensure all loan documentation and third party information conforms to loan approval and to capital markets requirements.

5. As needed support the sale of real estate assets and assist the Team on special projects.

Minimum Qualifications

Requires a BA in a business related field. MA or MBA helpful, but not required. Formal credit training preferred, but not required. Candidate should possess a minimum of five to seven years of commercial credit and lending experience. At least two years experience underwriting and originating real estate transactions. Proficiency with Word, Excel, and other financial software is desired.