Commercial Real Estate Relationship Manager

American Savings Bank; Honolulu (HI); On-site; USD 150,000 - 190,000; Full time

Job summary

American Savings Bank in Honolulu seeks an experienced commercial real estate loan professional to manage end-to-end origination to payoff for a $200+ million portfolio of complex loans.

The role requires strong relationship building, deal sourcing, due diligence, and expert loan structuring with the ability to mentor others and cross-sell bank products. This on-site position supports a busy CRE portfolio and cross-functional collaboration.

Qualifications

• Background in all aspects of commercial real estate lending and able to handle the largest, most complex credits.
• Proven ability to prospect and convert non-bank clients.
• Experience managing portfolios >$200–$300 million.
• Mentor others.

Responsibilities

• Builds and maintains client relationships to source deals, conduct analyses, structure loans, obtain approvals, complete due diligence, and close transactions for the assigned portfolio.
• Develops pipeline from existing portfolio, referrals, and new prospects.
• Negotiates and structures loan terms independently, including costs, repayment method, and collateral.
• Manages closing and booking of credit products and ensures accurate portfolio data in loan systems.
• Provides timely monitoring information to internal stakeholders to reflect current risk and asset quality.
• Communicates with Department Manager and Credit Administration to promote a transparent end-to-end process.
• Monitors borrower performance and covenant compliance within the portfolio.
• Utilizes bank products to cross-sell where appropriate.

Job description

Primary Purpose of Job

Responsible for end-to-end production (origination to payoff) of an assigned portfolio ($200+ million) of complex commercial real estate term, interim, value-add, and construction loans.

Major Job Accountabilities

• Manages relationship building activities that result in successful client relationships, deal sourcing, analyses, loan structuring, loan approvals, due diligence, documentation, and loan closings for the assigned portfolio.
• Builds pipeline through existing portfolio, referrals, and prospecting.
• Negotiates and structures loan terms and conditions independently, including the costs, repayment method and schedule, and collateral requirements.
• Independently executes and manages the closing and booking of credit products.
• Efficiently manages credit and financial files in accordance with Bank standards.
• Ensures loan system information accurately reflects the terms of approval.
• Proactively delivers accurate monitoring information to various internal stakeholders to assure the risk rating and regulatory asset quality rating for each loan reflects current conditions.
• Prioritizes a clear line of communication open with the Department Manager, Credit Administration, and other internal stakeholders to promote transparency and a productive end-to-end loan process.
• Efficient monitoring of borrowers within the portfolio, including review of borrower performance and compliance with financial covenants.
• Proficient with bank products to cross sell as appropriate.

Experience Required

Minimum three (3) to seven (7) years of the following experience:

• Background in all aspects of commercial real estate lending. Able to handle the largest and most complicated credit requests independently
• Established as a Relationship Manager
• Able to prospect and convert non-bank clients
• Able to handle loan portfolio size in excess of $200-$300 million
• Able to mentor others.

Required Skills or Training

• Demonstrated knowledge, relative to peers in the industry, in commercial real estate investment and development principles, concepts, dynamics, market conditions, and trends.
• Proven ability to negotiate and be influential with highly skilled borrowers and their associates, which include high-net worth professionals.
• Excellence with cash flow modeling, risk & return measurements.
• Able to review various legal documents independently including but not limited to, promissory notes, mortgages, financing statements, security agreements, personal guarantees, subordination agreements, and workout agreements.
• In-depth knowledge of:
  • Modern business practices and the legal structures of corporations, partnerships, and sole proprietorships.
  • Accounting principles and practices sufficient to analyze and evaluate financial conditions of corporate enterprises.
  • Business products in order to cross-sell bank products.
• Ability to analyze and evaluate financial/credit data and prepare reports independently.
• Demonstrated ability to apply financial regulations, policies, and procedures to analytical work.
• Excellent verbal, written, and interpersonal communication skills.

Professional Certifications, Licenses, And/or Registration Requirements

• Valid US driver's license and access to transportation.

EOE, including disability/veterans

At American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers.

Mahalo for your interest in American Savings Bank!