Commercial Real Estate (CRE) Relationship Manager

Univest Financial Corporation; Brooklandville (MD); On-site; USD 150,000 - 160,000; Full time

Job summary

Univest Financial Corporation in Baltimore, MD seeks a Commercial Real Estate Relationship Manager to develop and manage CRE relationships, delivering lending solutions and exceptional client service while maintaining a strong loan portfolio.

You will act as the primary CRE relationship owner, identifying opportunities, coordinating across bank teams, and structuring credit terms to meet client needs.

Qualifications

• 3–5 years commercial banking experience with strong credit judgment and business development discipline.
• Expertise in CRE lending including construction, bridge, and permanent financing; evaluate feasibility, capacity, collateral, pricing.
• Proven ability to generate new client relationships, expand existing ones, and cross-sell deposits, treasury, and other solutions.
• Strong portfolio management capabilities: loan grading, covenant monitoring, risk identification.

Responsibilities

• Develop, manage, and grow a CRE portfolio focused on construction, bridge, and permanent loans with a plan for growth and profitability.
• Serve as the primary relationship owner for CRE clients, delivering trusted financial guidance and coordinating solutions.
• Generate new prospects and convert clients through targeted outreach, networking, and referrals.
• Expand profitability by cross-selling Univest solutions in partnership with internal lines.
• Understand each customer’s business to structure credit solutions and repayment strategies.
• Structure, negotiate, and present credit terms, including interest rate and collateral requirements.
• Prepare analysis, deal screens, and term sheets; submit loan requests for underwriting and approval.

Skills

Credit judgment

Business development

Cross-selling

Portfolio management

Executive presence

Communication skills

Education

Bachelor's degree in finance, accounting, or business

CRE financial analysis training

Tools

Salesforce

ncino

Microsoft Excel

Job description

Overview

We’re looking for a motivated Commercial Real Estate Relationship Manager who can develop and manage commercial real estate relationships in Baltimore, MD on behalf of Univest, delivering lending and financial solutions, identifying growth opportunities, and providing exceptional client service while maintaining a strong loan portfolio.

Responsibilities

• Develop, manage, and grow a commercial real estate portfolio focused on construction, bridge, and permanent loans while executing a clear plan for relationship expansion and profitability.
• Serve as the primary relationship owner for CRE clients by delivering trusted financial guidance, anticipating client needs, and coordinating solutions across the bank.
• Generate new prospects and convert new clients through targeted calling, market visibility, referral development, and active participation in business and community organizations.
• Expand relationship profitability by cross-selling compensating deposit balances, treasury management services, and other Univest solutions in partnership with internal business lines.
• Understand each customer’s business model, real estate strategy, borrowing needs, repayment capacity, and long-term plans in order to structure appropriate credit solutions.
• Structure, negotiate, and recommend credit terms within loan policy, including interest rate, repayment structure, collateral requirements, covenant expectations, and risk-adjusted pricing.
• Prepare initial analysis, deal screens and term sheets. Submit loan requests for underwriting, approval, and presentation while ensuring complete, accurate, and timely credit information.

Qualifications

• 3-5 years commercial banking experience with strong credit judgment, business development discipline, and demonstrated ability to grow and manage a profitable commercial real estate portfolio.
• Required expertise in commercial real estate lending, including construction, bridge, and permanent financing, with the ability to evaluate project feasibility, borrower capacity, repayment sources, collateral, and risk-adjusted pricing.
• Demonstrated success generating new client relationships, expanding existing relationships, and cross-selling deposits, treasury management, and other bank solutions.
• Strong portfolio management capabilities, including loan grading, covenant monitoring, exception resolution, credit presentation, and proactive risk identification.
• Bachelor’s degree in finance, accounting, business, or equivalent related experience required; formal commercial real estate financial analysis training preferred.
• Strong executive presence, communication skills, community engagement, and ability to collaborate across credit, treasury management, retail, wealth, and other business partners.
• Proficiency with current banking technology, Microsoft Office applications, financial spreading tools, CRM systems (Salesforce), and credit workflow platforms (ncino)

Wage Range: The salary for this position starts at $150,000.00 - $160,000.00.

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An Equal Opportunity Employer. Univest does not discriminate against any applicant for employment because of race, color, religion, religious creed, ancestry, national origin, age, sex, disability or protected veteran status.