Sr. Relationship Manager (CRE)

Jobot; Laguna Beach (CA); On-site; USD 130,000 - 210,000; Full time

Benefits offered by this job

Metric bonuses

Commissions

Profit sharing

Flexible work environment

Annual Bonus

Strong benefits

Job summary

Jobot seeks a Sr. Relationship Manager (CRE) in Laguna Beach, CA. You will lead underwriting and credit analysis for CRE transactions and manage borrower relationships within a well-established bank environment.

Requirements include 10+ years CRE lending experience, knowledge of CRE product types (Bridge, Perm, LOC), and the ability to handle $5M–$30M deals. On-site role with strong benefits and performance-based incentives.

Qualifications

• 10+ years of CRE lending experience.
• Knowledge of CRE product types (Bridge, Perm, LOC).
• Experience supporting transactions in the $5M–$30M range.
• Experience with ground-up construction properties.
• Ability to identify risks related to sponsor strength, market conditions, tenancy, cash flow, and collateral quality.

Responsibilities

• Lead underwriting and credit analysis for CRE transactions.
• Apply market-standard credit metrics (DSCR, LTV, covenants) and scenario analysis.
• Evaluate collateral and market fundamentals, including submarket conditions and rent comparables.
• Structure transactions with terms, pricing, and risk mitigants including covenants and reserves.

Skills

Credit analysis

Underwriting

CRE lending

Financial analysis

Portfolio management

Job description

Sr. Relationship Manager (CRE)

$130000 - $210000 per year | Laguna Beach, CA | On-site | Permanent

Sr. Relationship Manager (CRE) need for well-established California bank that has been in operation for over 100 years

A bit about us:

We are a well-established California bank that has been in operation for over 100 years

Why join us?

• Multiple Metric bonuses
• Commissions
• Profit sharing contribution
• Flexible work environment
• Annual Bonus
• Strong benefits (M,D,V, and 401k)

Job Details

• Lead underwriting and credit analysis for CRE transactions, including evaluation of borrower financials, guarantor strength, global cash flow, liquidity, contingent liabilities, and sponsor experience.
• Apply market-standard credit metrics (DSCR, LTV, guarantor analysis, covenanting, Debt Yield, break-even occupancy) and scenario analysis to independently assess transaction viability and risk.
• Evaluate collateral and market fundamentals, including submarket conditions, tenant concentration and rollover, rent comparables, capital expenditure needs, and exit strategies
• Structure transactions with appropriate terms, pricing, and risk mitigants—including covenants, reserves, guarantees, amortization, and recourse/non-recourse structures

Requirements:

• 10+ years of experience in Commercial Real Estate (CRE) lending, including origination support and portfolio management.
• Working knowledge of CRE product types, including Bridge, Permanent (Perm), and Lines of Credit.
• Experience supporting typical transaction sizes in the $5MM–$30MM range or demonstrated ability to support transactions of similar scope/complexity.
• Experience with ground-up construction properties
• Underwriting support experience with the ability to identify key risks related to sponsor strength, market conditions, tenancy, cash flow, and collateral quality

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories. It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.