Senior Commercial Real Estate Relationship Manager

Position Title: Commercial Real Estate Banker IV

Reports To (Title): Commercial Real Estate Executive

Department: Commercial

FLSA Status: Exempt

Purpose: The Commercial Real Estate Banker IV is responsible for cultivating external relationships with mid to large size commercial real estate developers, owners, managers and other market participants for the purpose of developing and managing a portfolio of new and existing clients with relationship credit needs in excess of $10,000,000 and developing deposit and fee-based income relationships consistent with the Bank's strategic goals and objectives.

Scope and Direction:

Area of Responsibility: Commercial Real Estate Finance and Sales

Degree of Supervision Received (Minimal, Moderate or Extensive): Minimal

• From (Title): Commercial Real Estate Executive

Degree of Supervision Given (None, Minimal, Moderate or Extensive): None

Essential Functions: The major duties of the job that constitute the fundamental tasks and or responsibilities of the position. Employees must be able to perform the essential functions of the position with or without reasonable accommodations.

1. Works with commercial real estate developers, owners, managers and their designated financial representatives in analyzing their specific real estate capital access strategies to recommend credit solutions that meet their immediate and long-term capital needs.

2. Proactively works to generate relationship non-interest income through opening new deposit accounts, treasury management products, merchant card services, insurance, wealth management, benefits programs and other financial services from prospects and existing customers. Networks within the community by engaging in local organizations with connections to the commercial real estate business.

3. Manages, maintains and services a large loan portfolio that meets established lending requirements and maximizes profitability with acceptable risk. Maintains ongoing communication with customers to remain current on operating strategies and related capital needs and obtains required financial reporting on a timely basis.

4. Reviews customer application documentation and financial data acting as first line of quality control prior to submitting to underwriting by utilizing knowledge of credit risk process and ensures that all relevant credit operating and compliance policies and procedures are followed. Prepares concise but comprehensive preview presentations in cooperation with the underwriting team for the purpose of issuing term sheets, and to be utilized for final approval document preparation.

5. Participates and supports appropriate community and civic events to promote goodwill and obtain new business

6. Demonstrate the standards and principles of the Five Star Bank experience in every interaction with internal and external customers, associates, and stakeholders. Incorporate the high-performance behaviors of teamwork, leading by example, and service in every facet of work.

7. This job description is not exhaustive. The Commercial Real Estate Banker IV may be required to perform other duties as assigned.

Job-Related Qualifications - Education and Prior Experience:

Required:

• Bachelor's Degree
• 10+ Years Experience - Type: CRE Relationship Management
• OR-

Required:

• Associates Degree in Business, Accounting or related field
• 10+ Years Experience - Type: CRE Relationship Management

Preferred:

• Bachelor's Degree in Business, Accounting or related field
• 10+ Years Experience - Type: CRE Relationship Management
• Minimum of ten years' specific experience in commercial real estate finance activities and responsibilities.
• Preference for a minimum 10 years in the financial services industry with experience in deposit services and other fundamental commercial banking activities.
• Demonstrable knowledge of commercial real estate loan structure, underwriting, and pricing dynamics.
• Written and verbal communication skills to be deployed for internal bank decision processes and for external communication with clients and other market participants.
• Fully knowledgeable of construction lending risks, underwriting, structure, and administration.
• Fully knowledgeable of derivative products and transactions, primarily interest rate swaps, which are utilized to manage long term interest rate risk for both the client and the bank.
• Demonstrated ability to communicate clearly, confidently, and competently with more sophisticated commercial real estate clients for the purpose of proposing and negotiating loans and ancillary product transactions.
• Established track record of identifying and establishing relationships with larger, more sophisticated commercial real estate firms with financial profiles and capabilities that qualify for FSB's lending policies and objectives.
• Commercial underwriting training and / or experience preferred, with emphasis on commercial real estate analysis.

Competencies:

1. Excellent verbal and written communication skills

2. Working knowledge of Microsoft Office applications with the ability to learn new and existing bank software

3. Highly motivated and sales oriented to promote, sell and refer various bank and non- bank products and services

4. Analytical ability to interpret financial information and determine credit worthiness of borrowers and prospects

5. Knowledge of Commercial credit and underwriting policy and procedures

6. Local Market knowledge and the ability to develop, retain and expand relationships with COI's

Physical Requirements:

1. Able to regularly sit for prolonged periods of time

2. Extensive travel within Corporate footprint:

3. Extensive computer usage is required