CRE Portfolio Manager

Hancock Whitney Bank•Houston, TX

About The Position

Responsible for evaluating, recommending approval or declining of difficult, unique, and moderate to increasingly complex commercial real estate loan applications in a timely manner and according to business and bank standards. Performs portfolio management duties such as tracking loan compliance, past dues, collateral monitoring, risk rating migration, clearing and minimizing documentation exceptions, and completing renewals/reviews. This position has a very close partnership with the Commercial Real Estate Bankers in delivering, meeting and exceeding client expectations. Works under close direction of manager and/or senior officer. Supports and assists underwriters as workload dictates. Member of the customer’s Credit Delivery Team. Works very closely with Commercial Real Estate Bankers and other business partners to efficiently and effectively deliver services. Coordinates and facilitates lending activities as required. Loan documentation negotiations are more complex and involved than the Portfolio Manager 3. Expected Number of Portfolio Accounts: 20 – 25; Portfolio Commitments: $100MM - $200MM

Requirements

Bachelor’s degree in Business Administration, Finance, Accounting, or a related field
Seven to ten years of credit analysis experience and working with Commercial Real Estate Underwriters and Relationship Bankers
Successful completion of formal commercial credit training program
Experience assisting Senior Bank Officers with complex, diversified, sensitive, and high dollar amount credits
Thorough knowledge of commercial and retail lending services, documentation, underwriting and regulatory guidelines.
Superior understanding of financial ratios and business principles.
Superior knowledge of credit analysis and lending functions.
Superior working knowledge of all bank products and services
Ability to use rigorous logic to solve complex problems with effective solutions
Ability to interpret personal and business tax returns and financial statements
Ability to calculate complicated financial ratios and apply intermediate level business principles
Ability to communicate effectively orally and in writing using the English language
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations
Ability to write reports, business correspondence, and procedure manuals
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
Ability to work with mathematical concepts such as probability and statistical inference
Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Ability to work under stress and meet deadlines
Ability to operate related equipment to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to travel if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions.

Nice To Haves

Experience working with senior lenders on complex accounts is preferred
Preferred education: Master’s degree

Responsibilities

Works directly with the CRE Relationship Bankers to obtain all necessary financial statements and project information in order to analyze credit requests.
Analyzes financial statements including footnotes.
Completes due diligence process by ordering reports.
Teams with Senior CRE Portfolio Manager and CRE Banker to provide support as needed to help develop the structure and pricing of a transaction.
Prepares credit approval package that clearly outlines and expresses a reasoned opinion on key considerations in the credit decision.
Conducts company, industry, and market analyses to further assess borrower credit quality.
Performs market and industry analyses to understand macroeconomic and industry drivers.
Monitors documentation process and approves all legal documents.
Reviews and approves all legal documents, whether internally or externally prepared, to ensure accuracy and completion in accordance with loan approval.
Works with CRE Bankers in obtaining and reviewing construction loan documentation (construction contract, architect’s contract, final plans and specifications, final cost breakdown/schedule of values, construction disbursement schedule).
Reviews draw requests (AIA G702 form) and coordinates property inspection and certification of draw by Bank’s inspector.
Underwrites extensions, modifications, and renewals, including performing and reviewing financial analyses and updating the borrower’s credit file.
Tracks and resolves document exceptions related to closing and ongoing exceptions.
Monitors credit status and quality of loans on a regularly scheduled basis, including assessment of current risk rating.
Tests project performance against original underwriting and appraisal projections upon receipt of required reporting information (i.e., monthly, quarterly, semi-annual, or annual operating statements, leasing reports/rent rolls, etc.).
Performs annual, quarterly, or more frequent reviews (depending on the risk rating and type of project) to assess project performance and risks associated with the project, borrower, and guarantors
Obtains market and industry information.
Provides general support to Commercial Real Estate Underwriters and Bankers
Serves in civic, community and industry activities as needed.
Keeps informed of current economic conditions and legislation which may affect customer relationships and the Commercial Line of Business.
Performs other related job duties and special projects as assigned.
Complies with all applicable federal, state and local banking and industry related laws and regulations including, but not limited to, the Bank Secrecy Act
Demonstrates organizational integrity and business ethics as it relates to this position, and communicates this commitment to any applicable subordinates.
Secures and safeguards all customer information according to bank guidelines, including cash, customer account data, and other sensitive information.
Performs all other duties and special projects as assigned.