Commercial Real Estate Relationship Manager

American Savings Bank Hawaii; Honolulu (HI); On-site; USD 81,000 - 150,000; Full time

Job summary

American Savings Bank Hawaii is seeking an experienced Relationship Manager to oversee end-to-end production of a large commercial real estate loan portfolio, from origination to payoff, including term, interim, value-add and construction loans.

You will build and manage client relationships, structure loans, coordinate due diligence, documentation and closings, monitor performance and ensure compliance with covenants and regulatory standards.

Qualifications

• Experience in all aspects of commercial real estate lending.
• Portfolio management experience with large loan sizes.
• Strong relationship management skills and client sourcing.
• Ability to prospect and convert non-bank clients.
• Mentor others and share knowledge.
• Excellent verbal, written, and interpersonal communication skills.
• Valid US driver’s license and transportation access.

Responsibilities

• Manages relationship building that results in client relationships, deal sourcing, and loan closings.
• Builds pipeline through existing portfolio, referrals, and prospecting.
• Negotiates and structures loan terms and conditions independently, including costs and collateral.
• Executes and manages closing and booking of credit products.
• Monitors credit files and ensures accuracy per bank standards.
• Ensures loan system reflects approved terms.
• Delivers monitoring information to internal stakeholders to reflect current conditions.
• Maintains open communication with Department Manager and Credit Administration.
• Monitors borrower performance and covenant compliance.
• Cross-sell bank products as appropriate.

Skills

Commercial real estate lending

Relationship management

Loan structuring

Credit analysis

Financial modeling

Documentation & close

Regulatory knowledge

Client prospecting

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Salary Range: $81,000.00 To $150,000.00 Annually

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.

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!