Associate Director, CRE Debt Investments

Lincoln Financial; Charlotte (NC); On-site; USD 110,000 - 160,000; Full time

Benefits offered by this job

PTO/Parental leave

401K and benefits

Tuition assistance program

Job summary

Lincoln Financial invites an experienced Portfolio Management Associate Director to join the Commercial Mortgage and Real Estate Investments team in Charlotte, NC. You will oversee a $17 billion loan portfolio, monitor performance, mitigate risk, and guide underwriting and credit analysis growth.

This leadership role requires 3–5+ years in CRE finance, strong analytical skills with operating statements, rent rolls, and loan documents, and proficiency in Excel, PowerPoint, CoStar, and Argus.

Qualifications

• 4-year education in Finance, Business Administration, or equivalent.
• 3–5+ years in CRE finance and/or CRE investment and analysis.
• Knowledge of CRE principles, valuation methods and loan documents.
• Proficiency in Excel and PowerPoint; familiarity with market data tools.

Responsibilities

• Monitor loan performance and mitigate risk across a multi-billion portfolio.
• Collaborate with servicing and production teams; report to senior management.
• Support portfolio management across departments and participate in market analytics.

Skills

CRE Finance

Financial analysis

Loan analysis

Excel

PowerPoint

CoStar

Argus

Travel readiness

Education

Bachelor’s degree in Finance or related field

4-year degree

Tools

CoStar

Argus

Job description

Alternate Locations:

Charlotte, NC (North Carolina); Greensboro, NC (North Carolina)

Work Arrangement:

In Office : Employees willworkin a Lincoln office with a designated workspace.

Relocation assistance:

is not available for this opportunity.

Requisition #:

76613

The Role at a Glance:

We are looking to add a Portfolio Management Associate Director to the Commercial Mortgage and Real Estate Investments team. As a senior member of the Portfolio Management team, you will play a meaningful role in managing and overseeing the performance of a $17 billion commercial mortgage loan portfolio. Your primary focus is monitoring loan performance and mitigating risk and limiting loss across the portfolio. The ideal candidate is looking to grow their responsibilities in commercial real estate underwriting and credit analysis. Primary Location: Charlotte, NC, US – In office Monday-Thursday; Fridays Flexible

What You'll Be Doing

Portfolio Monitoring and Risk Management

• Performs in-depth reviews of property operating statements and identifies positive and/or negative trends.
• Monitors complex loan structures and Borrower business plans reporting to senior management on a quarterly and/or ad hoc basis.
• Manages loan covenants and triggers working with internal and external partners ensuring compliance with loan documents
• Supports active management of troubled, watch, and surveillance loans on a monthly or quarterly basis.

Stakeholder Collaboration and Reporting

• Ensures data integrity at property and loan level for portfolio level analytics and reporting.
• Identifies and communicates process improvements to senior management.
• Serves as liaison partnering with the servicing and production teams to analyze underwriting related servicing requests, including but not limited to special servicing requests, lease approvals, collateral releases, substitutions, and sale and assumptions, and makes written and verbal approval recommendations to senior management.

Additional Responsibilities

• Maintains a high level of knowledge on market fundamentals such as rental rates, occupancy, capital market trends, and transaction activity for assigned geographic areas.
• Stays apprised of market related headlines affecting commercial real estate for reporting and analytics.
• Travels domestically for property inspections and conference events, as needed.
• May provide portfolio management support to real estate private equity team.
• Opportunities to collaborate across departments within the commercial real estate and overall investment team.

What We’re Looking For

Must-have experience

• 4 Year/Bachelor’s degree or equivalent work experience (4 years of experience in lieu of Bachelor’s) – minimum required in Finance, Business Administration, or similar field.
• 3-5+ years’ experience required in commercial real estate finance and /or commercial real estate investment and analysis that aligns with the specific responsibilities for this position. Prior commercial real estate asset/portfolio management preferred.
• Knowledge of commercial real estate principles and valuation methods.
• Knowledge of national commercial real estate markets and macro-economic trends that affect those markets.
• Ability to understand and evaluate real estate financial statements including operating statements, balance sheets, and rent rolls.
• Knowledge of real estate legal concepts and strong understanding of loan documents.
• Ability to understand and apply financial concepts including but not limited to discounting cash flows, capitalization rates, internal rate of returns, and return on investment.
• Proficiency with Microsoft Excel and PowerPoint.
• Experience with CoStar and Argus preferred.
• Strong attention to detail and ability to clearly and effectively communicate, in writing and verbally, complex loan and property operational concepts to senior management
• Travel 10% (intermittent)

Application Deadline

Applications for this position will be accepted through November 14th, 2026 subject to earlier closure due to applicant volume.

What’s it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

What’s in it for you:

• Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
• Leadership development and virtual training opportunities
• PTO/parental leave
• Competitive 401K and employee benefits
• Free financial counseling, health coaching and employee assistance program
• Tuition assistance program
• Work arrangements that work for you
• Effective productivity/technology tools and training

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Additional Information

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e‑mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling [phone].

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