Carver Federal Savings Bank · 1 month ago
Commercial Real Estate Portfolio Manager
New York, NY
Full-time
Hybrid
Mid, Senior Level
$100K/yr - $150K/yr
7+ years expCarver Federal Savings Bank is seeking a Commercial Real Estate Portfolio Manager responsible for credit evaluation, underwriting, and ongoing portfolio management of the Bank’s loan book. The role involves partnering with the Lending Team to structure and approve complex loan transactions while overseeing risk management and compliance.
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Responsibilities
Lead the underwriting and structuring of new and renewed CRE and C&I loan transactions, including owner-occupied and investor real estate, SBA transactions, business lines of credit, term loans, to a lesser extent, consumer loans
Analyze borrower financial statements, rent rolls, guarantor strength, global cash flow, schedules of real estate owned, debt service coverage, and collateral valuations
Prepare high-quality credit approval memorandums for presentation to the Management Loan Committee and Board committees as applicable
Provide input on loan structuring, pricing, terms, and risk mitigation strategies
Perform detailed due diligence, including market research, industry analysis, and sponsor review
Ensure all underwriting meets internal credit policy and procedures, regulatory compliance (e.g., Reg. B, Internal Risk Rating standards, OCC guidance), and risk appetite parameters
Manage a portfolio of complex CRE and C&I relationships with total exposure typically up to $10MM
Conduct regular risk reviews, covenant testing, and financial performance monitoring
Lead annual reviews, credit rating assessments, and early warning reviews for existing borrowers
Identify deteriorating credits or potential problem loans; collaborate with workout/collection team as needed
Maintain detailed and accurate credit files, relationship data, and loan tracking systems
Regular contact with Borrowers to ensure credit quality as well as initiating new business opportunities
Reviews relevant deal documents / information and ongoing portfolio management initiatives to maintain quality of loan book and compliance with loan covenant requirements
Mentor junior analysts, providing guidance on deal structuring, analysis, and presentation
Collaborate with internal stakeholders (e.g., loan operations, compliance, legal, appraisal, and collateral teams) to ensure timely and smooth loan closings
Represent the credit function in client meetings and due diligence sessions for complex or high-profile transactions
Qualification
Required
Bachelor's degree in finance, Accounting, Economics, or a related field
Minimum 7-10 years of direct experience in commercial credit underwriting and portfolio management, with a focus on CRE and C&I lending and relationship management
Formal credit training or equivalent hands-on experience with complex transactions
Extensive knowledge of CRE underwriting (stabilized and construction), market fundamentals, and loan structures
Strong understanding of C&I loan products including global cash flow
Expert-level financial analysis and risk assessment capabilities
Excellent written and verbal communication skills for executive-level reporting and credit presentations
Ability to work in a fast-paced environment with little supervision
Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments
Strong organizational skills with attention to detail and ability to manage competing priorities
Proficient in Microsoft Word, Excel, Power Point and financial spreading tools (e.g., Moody's, Silverlake, Jack Henry, Loan Vantage)
Preferred
Experience with Leveraged financing preferred but not required
Completion of a formal bank credit training program (highly preferred)
Company
Carver Federal Savings Bank
Carver Federal Savings Bank providing and building wealth for its customers and to creating sustainable communities.
51-200 employees
Funding
Current Stage
Public CompanyTotal Funding
$88.48MKey Investors
NY Green BankCommunity Development Financial Institutions Fund
2024-05-28Post Ipo Debt· $25M
2023-04-10Grant· $2.48M
2021-03-03Post Ipo Equity· $6M
Leadership Team
Deborah Wright
CEO, President & COO
Recent News
2025-12-08
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