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Intercredit Bank N.A. · 1 day ago

Portfolio Manager

Miami, FL

Full-time

Onsite

Mid Level

3+ years exp

Intercredit Bank N.A. is a banking institution seeking a Commercial Real Estate Portfolio Manager. The role involves managing a commercial real estate loan portfolio, ensuring credit quality and compliance, and contributing to loan production through effective credit process management.

Banking

Responsibilities

Serve as the primary point of contact for the ongoing servicing and credit administration of an assigned portfolio of existing commercial real estate relationships, ensuring high-quality client service and portfolio performance

Independently manage day-to-day portfolio responsibilities, including borrower communication, attendance at client meetings (both on-site and off-site), and participation in relevant commercial real estate organizations and events in support of relationship management and business development efforts

Proactively obtain and review required annual and interim borrower financial statements and other credit documentation to support ongoing credit monitoring, annual reviews, renewals, and modifications

Perform comprehensive financial analysis and ongoing credit risk assessment of existing commercial real estate clients, including analysis of cash flow, collateral performance, guarantor strength, and covenant compliance

Identify, document, and promptly escalate emerging credit issues, deterioration trends, or policy exceptions, and present analyses and recommendations to management

Prepare initial cursory credit memoranda, annual reviews, renewal requests, and modification requests in accordance with bank credit policy and OCC regulatory expectations

Support new loan production primarily from existing client relationships by:

Preparing preliminary credit analyses for new loan opportunities

Presenting initial deal concepts to senior lending leadership or credit committee to determine whether to proceed with full underwriting

Work collaboratively with assigned underwriters during the underwriting process by assisting with information gathering, responding to underwriting questions, and ensuring timely progression of approved transactions

Review loan documentation for accuracy and completeness and participate in customer meetings related to loan execution and closing

Actively participate in the loan closing and funding process to ensure approved transactions are properly documented, booked, and disbursed

Actively manage portfolio compliance by ensuring receipt of all required documentation, maintaining accurate and complete credit files, and monitoring loan status on an ongoing basis

Initiate and support remedial actions for adversely trending credits, including enhanced monitoring and coordination with Credit Administration, as appropriate

Maintain thorough documentation of client interactions, portfolio actions, and calling efforts through timely and well-supported file memoranda

Maintain full knowledge of the Bank’s Credit Policies and procedures and ensure strict adherence at all times

Ensure compliance with all applicable regulatory requirements, including BSA/AML and OFAC rules and regulations

Demonstrate a strong sense of ownership, urgency, and accountability in responding to client needs, completing assigned tasks, and meeting performance objectives

Work collaboratively and professionally with Relationship Managers, Credit Administration, Risk Management, Loan Operations, and other internal partners to support client servicing and portfolio objectives

Maintain organized, efficient work habits and workflow resulting in well-documented, accurate, and timely completion of all portfolio and credit-related responsibilities

Attend and complete all required bank training and specialized training related to commercial real estate lending and portfolio management

Perform additional duties and special projects as assigned by management

Qualification

Commercial real estate managementCredit analysisUnderwritingFinancial statement analysisLoan structures knowledgeBilingual (English/Spanish)Communication skillsOrganizational skills

Required

Minimum 3 years of experience in commercial real estate portfolio management, credit analysis, underwriting, or related commercial banking roles

Strong working knowledge of commercial real estate loan structures, including permanent, construction, bridge, and transitional credits across all major property types

Proficiency in analyzing borrower and guarantor financial statements, cash flow, rent rolls, operating statements, budgets, and projections

Experience collaborating with internal and external stakeholders to support both portfolio servicing and transaction execution

Strong written and verbal communication skills, including the ability to present credit analyses and risk assessments to internal committees and senior management

High level of organizational skill, attention to detail, and ability to manage multiple priorities in a deadline-driven environment

Demonstrated sense of ownership, accountability, and urgency in managing credit processes, responding to client needs, and completing assigned responsibilities

Willingness and ability to travel as required to conduct property inspections and site visits in support of underwriting, portfolio monitoring, and credit risk assessment