Private Bank CRE Lending Specialist

Job Description

• Support the underwriting needs for the Private Bank’s product offering ensuring turnaround time requirements are met. Verify accuracy and completeness of loan application file including; entering application information in origination systems, completing due diligence, ordering UCC and Good Standing searches, and running appraisal and environmental report requests  (for owner-occupied real-estate secured transactions).
• Proficient use of Moody's CreditLens or similar application to complete financial analysis and spreads. Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non-recurring sources of cash flow and borrowers' ability to debt service.
• Cultivate strong and positive working relationships with partners to maintain extraordinary internal and external client service. Partners include: Business Bankers and Relationship Managers, Preferred Bankers, Loan Committee, Loan Servicing, Legal (internal and external), etc.
• Ensure quality credit and avert any potential signs of default throughout the underwriting process and loan life cycle. Ongoing servicing of the portfolio, including loan modifications.
• Actively participate in continuous improvements by generating suggestions and participating in problem solving activities.
• Works closely with RM and client to identify lending needs and solutions
• Performs analysis of client’s financials to determine loan eligibility
• After RM handoff, serves as main POC for client and all internal/external parties to lending transactions while keeping RM in the loop
• Manages end-to-end loan process with clients, internal/external partners from inquiry through post-closing (e.g., provides PA letters/pricing, presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).
• Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines.
• Introduces clients to Preferred Bankers to establish deposit accounts during loan process.

• 3+ years experience preferred in commercial credit analysis experience in Commercial real estate across multiple property types
• BA/BS Degree required with concentration in business, finance and/or accounting preferred.
• Strong decision-making, interpersonal and communication skills; including the ability to clearly understand complex concepts.
• Excellent organizational and time-management skills, and attention to detail.
• Self-motivated and self-disciplined, with the ability to work effectively with little supervision.
• Advanced familiarity with Word, Excel, and PowerPoint.
• Experience with Moody's CreditLens is a plus.