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Atlantic Union Bank · 23 hours ago

Commercial Real Estate Relationship Manager IV

Martinsburg, WV

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Atlantic Union Bank is seeking a Commercial Real Estate Relationship Manager IV who will be responsible for the development and management of a portfolio of loans secured by commercial and/or residential real estate. The role involves growing a high-quality portfolio, managing complex loan relationships, and participating in business development to enhance client relationships.

BankingFinancial ServicesWealth Management

Growth Opportunities

Responsibilities

Responsible for growing a high-quality portfolio of real estate loans and associated deposits within designated market area

Develop and maintain a quality loan portfolio

Maximize bank profitability through appropriate pricing of new loan originations, fee income, and cross selling of all bank products & services, including deposits and Treasury Services products

Pre-screen potential new loans with credit officer to determine appropriate structure

Prepare loan approval packages for approval and facilitate through process

Monitor loan portfolio and maintain updated financial information

Manage the bank’s complex commercial real estate loan relationships

Responsible for making business development calls and contributing to overall Bank objectives of quality new loan and deposit growth

Sell and cross-sell deposits and other bank products such as Treasury services in a profitable manner

Make recommendations to management on procedural improvements

Assist other Relationship Managers as needed with customer requests and serves as a source for real estate lending knowledge

Assist in mentoring teammates, to include credit analysis, financial spread sheet preparation and underwriting

Maintain pipeline of existing relationships and new prospects

Ensure that own work is in compliance with applicable policies, procedures, laws, regulations and guidelines

Participate in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace. Establishes referral contacts and Centers of Influence (COI) within the community

Regularly corresponds with Senior Credit Officer(s); Loan Review Department; attorneys, loan support and loan processing areas

Seek out largest and most complex CRE customers

Other duties as assigned

Qualification

Commercial real estate bankingCredit analysisLoan underwritingFinancial analysisRelationship managementMicrosoft OfficeMarketing skillsInterpersonal skillsCommunication skillsOrganizational skills

Required

Minimum 10 years of commercial real estate banking experience and a proven track record of generating deposit and fee income

Very strong credit skills evident

Ability to manage large and complex relationships and more complex lending structures

Proficient in analyzing commercial real estate credit applications

Advanced knowledge of typical CRE collateral documentation - title insurance, deeds of trust, assignment of rents & leases, hazard insurance, flood insurance, UCC filings, etc

Thorough knowledge of financial and credit aspects of commercial real estate lending such as credit analysis, global cash flow analysis and Debt Service Coverage

Comprehensive knowledge of commercial appraisal and loan underwriting methodologies

Possess high level interpersonal, verbal and written communication skills

Ability to plan and implement a targeted marketing and sales program to attract new customers and improve quality of existing customer relationships

Participation in local industry-related organizations to develop professional contacts, keep market knowledge current, and identify qualified prospects

Excellent organizational skills, initiative, dependability and ability to work with minimal direction

Ability to manage multiple projects while meeting goals

Strong knowledge of Microsoft Office including Outlook, Word and Excel