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Five Star Bank · 1 day ago

Relationship Manager - Commerical Real Estate

Baltimore, MD

Full-time

Hybrid

Senior Level, Lead/Staff

$170K/yr - $200K/yr

10+ years exp

Five Star Bank is seeking a Relationship Manager - Commercial Real Estate to cultivate relationships with commercial real estate developers and manage a portfolio of clients with significant credit needs. The role involves analyzing capital access strategies, generating income through various financial services, and maintaining communication with clients to meet their capital needs.

BankingFinancial ServicesInsurance

Responsibilities

Works with commercial real estate developers, owners, managers and their designated financial representatives in analyzing their specific real estate capital access strategies to recommend credit solutions that meet their immediate and long-term capital needs

Proactively works to generate relationship non-interest income through opening new deposit accounts, treasury management products, merchant card services, wealth management, benefits programs and other financial services from prospects and existing customers. Networks within the community by engaging in local organizations with connections to the commercial real estate business

Develops, manages, and services a loan portfolio that meets established lending requirements and maximizes profitability with acceptable risk. Maintains ongoing communication with customers to remain current on operating strategies and related capital needs and works with the Portfolio Manager to obtain required financial reporting and covenant monitoring on a timely basis

Reviews customer loan request documentation and financial data acting as first line of quality control prior to submitting to underwriting by utilizing knowledge of credit risk process and ensures that all relevant credit operating and compliance policies and procedures are followed. Prepares concise but comprehensive preview presentations in cooperation with the underwriting team for the purpose of issuing term sheets, and to be utilized for final approval document preparation

Participates and supports appropriate community and civic events to promote goodwill and network for new business

Demonstrate the standards and principles of the Five Star Bank experience in every interaction with internal and external customers, associates, and stakeholders. Incorporate the high-performance behaviors of teamwork, leading by example, and service in every facet of work

Qualification

Commercial real estate knowledgeRelationship managementCredit risk analysisConstruction lendingDerivative products knowledgeSales orientationLocal market knowledgeWritten communicationVerbal communication

Required

Education: Bachelor's Degree

Prior Experience: 10+ years of experience in commercial real estate financial activities and responsibilities including Capital markets transactions, treasury management transaction and superior relationship management

Licenses or Accreditation: Any required licenses or accreditation required: None required

Demonstrable knowledge of commercial real estate loan structure, underwriting, and pricing dynamics

Written and verbal communication skills to be deployed for internal bank decision processes and for external communication with clients and other market participants

Fully knowledgeable of construction lending risks, underwriting, structure, and administration

Fully knowledgeable of derivative products and transactions, primarily interest rate swaps, which are utilized to manage long-term interest rate risk for both the client and the bank

Demonstrated ability to communicate clearly, confidently, and competently with more sophisticated commercial real estate clients for the purpose of proposing and negotiating loans and ancillary product sales

Established track record of identifying and establishing relationships with larger, more sophisticated commercial real estate firms with financial profiles and capabilities that qualify for FSB's lending policies and objectives

Local market knowledge and the ability to develop, retain and expand relationships

Highly motivated and sales orientated to promote, sell and refer various bank and non-bank products and services

Able to travel: Extensively

Extensive computer usage is required

Ability to work: Evenings: Frequently

Five Star Experience – minimum of 3 days per week in office