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Northwest Bank · 2 days ago

CRE Portfolio Manager

Buffalo, NY

Full-time

Hybrid

Mid, Senior Level

$90K/yr - $115K/yr

6+ years exp

Northwest Bank is seeking a CRE Portfolio Manager responsible for monitoring the Bank's commercial real estate loans to ensure compliance with credit policies and regulations. The role involves engaging with customers, analyzing financial information, and collaborating with various internal teams to manage credit risk effectively.

BankingFinancial Services

H1B Sponsor Likely

Responsibilities

Monitor credit performance of individual commercial borrowers ensuring timely escalation or remediation, as appropriate

Responsible for the timeliness and accurate reporting of the commercial portfolio monitoring activities and adherence to credit policies, procedures and thresholds related to financial statement collection, covenant testing, collateral valuation, annual reviews, and delinquencies. Evaluation of risk associated with non-compliance

Engage with customers, regularly, to discuss operating performance and business results including covenant compliance. Gain a thorough understanding of the borrowers’ business model and industry trends in order to effectively evaluate sources of repayment and accurately assign risk rating

Collect and review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information

Spread financial statements and prepare financial models designed to assess probability of default and loss given default. Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statement review, and collateral valuation as appropriate

Analyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank’s commercial loan portfolio. Analyses to include an independent credit quality assessment with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. Identify emerging risks or material changes in customers financial position, including evaluation of compliance with loan agreements

Assist in completion of annual reviews, renewals, interim update memos, covenant calculations and criticized asset reviews. Monitor early warning indicators and other forms of credit surveillance

Present analysis or address questions during credit discussions or presentations

Liaison between Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team and Special Assets to ensure necessary credit approvals are obtained and appropriately documented and loan operating system reflects accurate commercial loan data

Document and track key risk indicators associated with monitoring and control procedures and any applicable thresholds

Qualification

Commercial LendingCredit Risk AssessmentFinancial AnalysisCRE UnderwritingFinancial ModelingAnalytical SkillsCommunication SkillsProblem Solving

Required

Bachelor's Degree in Accounting, Finance, Economics, or related discipline

6-8 years of relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager and/or Credit Officer/Underwriter working with moderate to complex loans and documentation

6-8 years of experience in Commercial Credit or public accounting

Experience with CRE underwriting

Benefits

Additional bonus earning opportunities

Benefits

Company

Northwest Bank

Northwest Bank is a financial firm that offers banking, lending, payments, and wealth management solutions.

Founded in 1896

Warren, Pennsylvania, USA

1001-5000 employees

https://www.northwest.bank

H1B Sponsorship

Northwest Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (4)

2024 (7)

2023 (3)

2022 (1)

2021 (5)

2020 (3)