Hancock Whitney · 3 months ago
CRE Portfolio Manager
Preston Center - Dallas, TX
Full-time
Onsite
Mid, Senior Level
4+ years expHancock Whitney is a financial institution seeking a CRE Portfolio Manager. The role involves evaluating and managing commercial real estate loan applications and ensuring compliance with bank standards while collaborating closely with relationship bankers and underwriters.
BankingFinancial Services
Responsibilities
Works directly with the CRE Relationship Bankers to obtain all necessary financial statements and project information in order to analyze credit requests
Analyzes financial statements including footnotes
Completes due diligence process by ordering reports
Teams with Senior CRE Portfolio Manager and CRE Banker to provide support as needed to help develop the structure and pricing of a transaction
Prepares credit approval package that clearly outlines and expresses a reasoned opinion on key considerations in the credit decision
Conducts company, industry, and market analyses to further assess borrower credit quality
Performs market and industry analyses to understand macroeconomic and industry drivers
Monitors documentation process and approves all legal documents
Reviews and approves all legal documents, whether internally or externally prepared, to ensure accuracy and completion in accordance with loan approval
Works with CRE Bankers in obtaining and reviewing construction loan documentation (construction contract, architect’s contract, final plans and specifications, final cost breakdown/schedule of values, construction disbursement schedule)
Reviews draw requests (AIA G702 form) and coordinates property inspection and certification of draw by Bank’s inspector
Underwrites extensions, modifications, and renewals, including performing and reviewing financial analyses and updating the borrower’s credit file
Tracks and resolves document exceptions related to closing and ongoing exceptions. Monitors credit status and quality of loans on a regularly scheduled basis, including assessment of current risk rating
Tests project performance against original underwriting and appraisal projections upon receipt of required reporting information (i.e., monthly, quarterly, semi-annual, or annual operating statements, leasing reports/rent rolls, etc.)
Performs annual, quarterly, or more frequent reviews (depending on the risk rating and type of project) to assess project performance and risks associated with the project, borrower, and guarantors
Obtains market and industry information
Provides general support to Commercial Real Estate Underwriters and Bankers
Serves in civic, community and industry activities as needed
Keeps informed of current economic conditions and legislation which may affect customer relationships and the Commercial Line of Business
Performs other related job duties and special projects as assigned
Complies with all applicable federal, state and local banking and industry related laws and regulations including, but not limited to, the Bank Secrecy Act
Demonstrates organizational integrity and business ethics as it relates to this position, and communicates this commitment to any applicable subordinates
Secures and safeguards all customer information according to bank guidelines, including cash, customer account data, and other sensitive information
Qualification
Required
Bachelor's degree in Business Administration, Finance, Accounting or a related field; Master's degree preferred
Four to seven years of credit analysis experience and working with Commercial Real Estate Underwriters and Relationship Bankers
Successful completion of formal commercial credit training program
Experience assisting Senior Bank Officers with complex, diversified, sensitive, and high dollar amount credits
Advanced knowledge of commercial and retail lending services, documentation, underwriting and regulatory guidelines
Excellent understanding of financial ratios and business principles
Excellent knowledge of credit analysis and lending functions
Excellent working knowledge of all bank products and services
Ability to use rigorous logic to solve complex problems with effective solutions
Ability to interpret personal and business tax returns and financial statements
Ability to calculate complicated financial ratios and apply intermediate level business principles
Ability to communicate effectively orally and in writing using the English language
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations
Ability to write reports, business correspondence, and procedure manuals
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
Ability to work with mathematical concepts such as probability and statistical inference
Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
No specific certification, licensure, or registrations are needed to satisfactorily perform this job
Ability to work under stress and meet deadlines
Ability to operate related equipment to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to travel if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions
Preferred
Experience working with senior lenders on complex accounts is preferred
Company
Hancock Whitney
Hancock Whitney is offers a wide array of banking and financial services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mike Achary
CFO
Shane Loper
Chief Operating Officer
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