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Penn Community Bank · 1 day ago

Real Estate Relationship Manager I

Perkasie, PA

Full-time

Hybrid

Entry Level

1+ years exp

Penn Community Bank is seeking a Real Estate Relationship Manager I to develop sales leads and manage a loan portfolio. The role involves overseeing loan administration, ensuring compliance, and promoting bank products and services to clients.

AssociationBankingCommunitiesFinancial Services

Responsibilities

Develop sales leads from existing clients in loan portfolio, independently through referral sources, and by cooperation with the Bank Management Team to attain new business relationships and product sales

Manage a loan portfolio of existing clients and monitor loan quality; be responsible for all aspects of loan administration for this portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit and reviews of term loans

Oversee and ensure accuracy of construction loans within portfolio to include monitoring progress of projects and performance to the initial underwriting

Interview applicant(s) and request specified information for loan application

Oversee and ensure accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, meeting compliance requirements, ensure completeness of loan packages, and timely processing, funding, and closing of committed loans

Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants’ evaluations

Analyze applicant financial status, credit, banking status, and other information to determine feasibility of granting a loan

Compile loan package and facilitate negotiation of loan structure with applicant, that is acceptable to Bank and Bank’s policies, including fees, loan repayment options, and other credit terms

Present loans to appropriate approving authority or Loan Committee for approval

Call and visit customers, prospects, and referral sources / centers of influence (COIs) to promote and sell all Bank products and services

Respond to customer information requests or inquiries involving small business loans

Provide loan data to support marketing and sales promotion programs as required

Promote and cross-sell other Bank products and services as appropriate to customer requirements, such as deposit services, other loan services, Cash Management, Insurance, and/or Wealth Management

Qualification

Commercial lendingUnderwritingConstruction lendingLoan documentationMicrosoft OfficeCustomer serviceCommunication skillsOrganizational skillsTime management

Required

Bachelor's degree from four-year college or university

Commercial Credit Training

Minimum of 1 year of experience in commercial lending

Comprehensive knowledge of real estate related commercial lending, including construction lending, as well as a solid understanding of underwriting and credit

Good verbal and written communication skills

Satisfactory knowledge of loan documentation

Good organizational and time management skills; the ability to prioritize tasks

Thorough knowledge of products and services offered by the Bank

Working knowledge of Microsoft Outlook, Excel, and Word

Ability to remain calm and efficient under pressure to meet requirements and deadlines