VP, CRE Relationship Manager

customersbank; Philadelphia (Philadelphia County); On-site; USD 95,000 - 130,000; Full time

Job summary

Customers Bank in Reading, PA is seeking an experienced Real Estate Lender to originate, structure, underwrite, and manage commercial and/or residential real estate loans. The role emphasizes strong credit analysis and relationship development with borrowers, developers, brokers, and investors.

The ideal candidate has 5+ years in real estate lending, a solid understanding of loan documentation and regulatory requirements, and a proven track record of business development in commercial banking.

Qualifications

• Bachelor’s degree in Finance, Business, Economics, Real Estate, or related field.
• Minimum 5 years of experience in real estate lending or related banking roles.
• Strong knowledge of real estate finance, loan structuring, and credit analysis.
• Experience analyzing property cash flows, rent rolls, and borrower financials.
• Understanding of loan documentation, regulatory requirements, and risk practices.
• Excellent relationship management and business development skills.
• Strong analytical, negotiation, and communication abilities.

Responsibilities

• Originate and develop new real estate lending opportunities.
• Analyze borrower financial statements, tax returns, cash flow, and creditworthiness.
• Evaluate real estate collateral, market conditions, and property performance.
• Structure loan terms and negotiate financing solutions that meet client needs.
• Partner with credit teams to underwrite and approve loans in accordance with bank policies.
• Prepare and present credit memorandums for loan approval.
• Manage a portfolio of commercial and/or residential real estate loans.
• Coordinate with underwriting, legal, appraisal, and closing teams throughout the loan process.
• Monitor loan performance and ensure ongoing compliance with lending requirements.
• Develop referral networks with real estate brokers, developers, attorneys, CPAs, and other industry professionals.
• Manage renewals, modifications, and refinancing.

Skills

Relationship management

Analytical skills

Negotiation

Credit analysis

Education

Bachelor's degree in Finance, Business, Economics, Real Estate, or related field

Tools

Microsoft Office

Financial analysis software

CRM tools

Job description

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.

Who is Customers Bank?

Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with.

We get you further, faster.

Focused on you: We provide every customer with a single point of contact. A dedicated team member who's committed to meeting your needs today and tomorrow.

On the leading edge: We're innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead.

Proven reliability: We always ground our innovation in our deep experience and strong financial foundation, so we're a partner you can trust.

What You'll Do:

We are seeking an experienced Real Estate Lender with 5+ years of lending experience out of Customers Bank's West Reading office to originate, structure, underwrite, and manage commercial and/or residential real estate loans. The ideal candidate will possess strong credit analysis skills, a proven track record of business development, and the ability to build long-term relationships with borrowers, developers, brokers, and investors.

• Originate and develop new real estate lending opportunities.
• Analyze borrower financial statements, tax returns, cash flow, and creditworthiness.
• Evaluate real estate collateral, market conditions, and property performance.
• Structure loan terms and negotiate financing solutions that meet client needs while adhering to credit policies.
• Partner with credit teams to underwrite and approve loans in accordance with bank policies.
• Prepare and present credit memorandums for loan approval.
• Manage a portfolio of commercial and/or residential real estate loans.
• Conduct property inspections and borrower meetings as required.
• Coordinate with underwriting, legal, appraisal, and closing teams throughout the loan process.
• Monitor loan performance and ensure ongoing compliance with lending requirements.
• Maintain knowledge of industry trends, regulatory requirements, and market conditions.
• Develop referral networks with real estate brokers, developers, attorneys, CPAs, and other industry professionals.
• Manage renewals, modifications, and refinancing.

What Do You Need?

Required Qualifications:

• Bachelor's degree in Finance, Business, Economics, Real Estate, or related field.
• Minimum 5 years of experience in real estate lending, commercial banking, mortgage banking, or credit underwriting.
• Strong knowledge of real estate finance principles, loan structuring, and credit analysis.
• Experience analyzing property cash flows, rent rolls, operating statements, and borrower financials.
• Understanding of loan documentation, regulatory requirements, and risk management practices.
• Excellent relationship management and business development skills.
• Strong analytical, negotiation, and communication abilities.

Preferred Qualifications:

• Experience with commercial real estate (CRE), multifamily, retail, office, industrial, construction, bridge, or investment property lending.
• Existing network of real estate professionals and referral sources.
• Professional certifications related to banking, finance, or real estate.

Technology Skills:

• Proficiency in Microsoft Office Suite and financial analysis software.
• Ability to work with the Microsoft Suite and learn/work with other Customers Bank's applications.
• Familiarity with AI and automation tools that support productivity, workflow efficiency, and client engagement.

Customers Bank is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

We also provide "reasonable accommodations", upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and applicable state and local laws.

Diversity Statement:

At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a cultu