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Orion Financial · 6 hours ago

Commercial Real Estate Annual Review Specialist

Memphis, TN

Full-time

Onsite

Entry, Mid Level

2+ years exp

Orion Financial is seeking a Commercial Real Estate Annual Review Specialist responsible for conducting comprehensive annual credit reviews for the credit union’s commercial real estate loan portfolio. The role involves assessing borrower performance, collateral strength, and overall portfolio risk while ensuring compliance with regulatory standards and internal policies.

BankingFinancial ServicesInsuranceVenture Capital

Responsibilities

Prepare comprehensive annual reviews for all CRE loans and relationships within established timelines

Analyze borrower financial statements, rent rolls, operating statements, and third-party appraisals or market studies

Evaluate property performance, cash flow trends, loan structure, covenant compliance, and guarantor support

Formulate well-supported recommendations regarding risk-ratings, loan renewal terms, or credit action items

Identify emerging risks within the CRE portfolio and recommend appropriate changes to risk ratings or loan strategies

Monitor borrower financial performance, property conditions, and macroeconomics impacting collateral values

Maintain accurate and current borrower and property information within credit systems to support covenant tracking and risk reporting

Proactively escalate material credit concerns or deteriorating conditions to portfolio management and CRE leadership

Maintain organized, complete, and current credit files in approved system of record

Ensure all annual reviews and supporting documentation comply with internal credit policy, regulatory requirements, and audit standards

Stay informed of applicable regulatory guidance (e.g., NCUA, OCC, or Federal Reserve expectations) related to commercial real estate lending and review practices

Partner with CRE team to obtain necessary financial and property data

Communicate analysis findings and recommendations clearly and professionally through both written reports and verbal discussions

Participate in credit meetings and portfolio reviews to support strategic credit decisions

Contribute to ongoing enhancements of annual review templates, workflows, and process efficiencies

Support automation, data accuracy, and reporting initiatives to improve review turnaround and portfolio monitoring capabilities

Assist with special projects, regulatory exams, internal audits, and other assignments as needed

Qualification

Commercial Real Estate AnalysisCredit Risk AssessmentRegulatory Compliance KnowledgeFinancial Statement AnalysisMicrosoft Office SuiteCustomer ServiceAttention to DetailCommunication SkillsTeam CollaborationCritical Thinking

Required

Bachelor's degree in Business Administration, Finance, Marketing or related field required

2-4 years of experience in commercial real estate credit analysis

Experience with financial institution core operating systems

Advanced knowledge of CRE lending and deposit relationships in financial institutions

Strong understanding of CRE underwriting, financial analysis, and risk rating methodologies

Familiarity with business deposit products, digital banking, treasury management, and NCUA compliance and internal controls

Understanding of compliance, internal policies, and external NCUA regulations

Strong customer service and leadership abilities to make empowered decisions based upon knowledge and experience

Ability to organize and prioritize workload and workflow in a fast-paced environment to ensure appropriate follow through

Ability to multi-task in a results-oriented environment

Must be a self-starter and team player, showing willingness to deliver an excellent client/member experience

Ability to work in a team environment and provide excellent internal and external member service

Excellent analytical, communication, and critical thinking skills

Technically proficient; fluency with Microsoft Office Suite, advanced computer skills and the ability to quickly comprehend and utilize market research tools and data sources