Real Estate Loan Portfolio Officer

The estimated salary for this position is $100,000-$120,000/Annually.

Duties and Responsibilities/Results

Portfolio Management & Credit Risk Oversight

• Manage and monitor the performance, quality, and risk profile of the Bank’s commercial and residential real estate loan portfolio.
• Conduct ongoing portfolio reviews, credit analyses, covenant monitoring, and risk assessments to identify emerging risks and ensure timely resolution of exceptions.
• Analyze borrower financial statements, property performance, market conditions, and third-party information to evaluate credit quality and portfolio trends.
• Ensure timely completion of loan renewals, modifications, annual reviews, and other portfolio monitoring requirements.
• Assist in the preparation and presentation of credit recommendations and portfolio analyses for Credit Committee and Senior Management.

Problem Loan Management & Workout Administration

• Lead the review, analysis, and management of criticized and classified assets, including commercial real estate loan workouts, restructurings, modifications, and loss mitigation strategies.
• Develop and recommend resolution strategies for problem loans, balancing risk mitigation, asset preservation, and relationship management objectives.
• Monitor workout plans and borrower performance to ensure timely execution and resolution.
• Coordinate with legal counsel, compliance, loan operations, and other internal stakeholders regarding loan modifications, restructurings, and enforcement actions.

Leadership & Staff Development

• Direct, coach, mentor, and develop Portfolio Management staff to ensure high levels of performance, accountability, and professional growth.
• Conduct performance evaluations, provide ongoing feedback, identify training opportunities, and address performance issues when necessary.
• Foster a culture of collaboration, continuous improvement, regulatory compliance, and sound credit administration.
• Provide guidance and technical expertise to staff regarding portfolio management, credit analysis, and problem loan resolution.

Reporting, Compliance & Process Improvement

• Provide overall leadership and accountability for departmental readiness for internal audits, external audits, regulatory examinations, external loan reviews, and compliance assessments.
• Direct and oversee the preparation, coordination, and delivery of all audit and examination requests, ensuring responses are accurate, complete, timely, and supported by appropriate documentation.
• Serve as the primary departmental liaison for internal auditors, external auditors, regulators, loan review firms, and other independent reviewers.
• Review audit findings, examination reports, loan review observations, and regulatory recommendations and develop appropriate corrective action plans.
• Monitor and report on the status of audit findings, management responses, remediation activities, and corrective action plans to ensure timely resolution.
• Ensure portfolio management records, loan files, risk-rating documentation, exception tracking, and departmental reporting are maintained in a manner that supports regulatory compliance and examination readiness.
• Coordinate periodic portfolio reviews, stress testing exercises, and independent loan review engagements and ensure resulting recommendations are appropriately addressed.
• Promote a strong culture of compliance, accountability, risk awareness, and continuous improvement throughout the department.
• Maintain current knowledge of applicable banking regulations, accounting guidance, credit administration standards, and industry best practices affecting portfolio management activities.

Required Qualifications:

• Bachelor's degree in Finance, Real Estate, Business Administration, Accounting, or related field.
• Minimum 5 years of experience in commercial real estate lending, portfolio management, loan review, credit administration, workout management, or related banking functions.
• Minimum 2 years of supervisory or management experience.
• Strong knowledge of commercial and residential real estate lending, credit risk management, loan documentation, and portfolio administration.
• Demonstrated experience managing problem loans, restructurings, and workout strategies.
• Strong analytical, financial statement analysis, and credit underwriting skills.
• Working knowledge of FDIC, DFS, and other applicable regulatory requirements.
• Excellent leadership, communication, presentation, and relationship management skills.
• Proven ability to manage multiple priorities and interact effectively across all organizational levels.

Preferred Qualifications:

• Advanced degree (MBA, MS Finance, MS Real Estate, or related field).
• Experience with commercial loan review, criticized asset management, and regulatory examinations.
• Experience managing mixed commercial and residential real estate portfolios.

Primary Success Measures

• Portfolio asset quality and risk-rating accuracy.
• Timely completion of portfolio reviews, renewals, modifications, and covenant monitoring.
• Successful management and resolution of criticized and classified assets.
• Favorable internal audit, external audit, regulatory examination, and independent loan review results.
• Timely completion of audit deliverables, examination requests, and remediation activities.
• Accuracy and completeness of portfolio reporting and records administration.
• Achievement of departmental productivity, compliance, and operational objectives.
• Employee engagement, development, succession readiness, and team performance.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer.