CRE Portfolio Manager I/II Position Available In Escambia, Florida

CRE Portfolio Manager I/II
Location
US-AL-Mobile | US-FL-Pensacola
Posted Date
4 days ago
(6/12/2025 8:37 PM)
Job

ID 2025-18584

Category Commercial Banking Type Regular Full-Time Job Grade 14 FLSA Status Exempt Working Hours 8-5

Job Location:

Company

AL/MS/FL

Gulf Coast Commercial

RE – 13569

Overview
The Commercial Portfolio Manager is responsible for collaborating with Commercial Relationship Managers on deal structure and underwriting efforts. Prepares well written Loan Presentation and Deal Vetting Memoranda. Monitors loan covenant compliance, exception reporting, past dues construction progress to ensure loan draws are funded and documented with occasional sites visits. This role will also ensure timely reviews and renewals of commercial loans, regularly accompany the Commercial Relationship Manager on development calls, attend client meetings and Credit Committee, and cross sell bank products and services.
Responsibilities
Assessment of credit quality and proper risk rating for Commercial Real Estate loan portfolio
Determination of data required for loan packages
Portfolio management decisions
Determination of which existing customers would be potential candidates for expanded services
Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed.
Monitors loan compliance covenant, exceptions, and past dues as well as monitors construction progress to ensure loan draws are funded and documented.
Makes joint calls with the CRE Relationship Managers to gather information for the client; goes on follow up calls as needed.
Solicits existing portfolio customers in an effort to increase and retain volume and cross sell Bank products and services. Promotes customer relations.
Level II additional responsibilities:
Practice commercial loan portfolio management skills through expert practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed.
Reviews and monitors loan compliance covenant, exceptions and past dues as well as monitors construction progress to ensure loan draws are funded and documented with the utmost accuracy.
Qualifications
Bachelor’s degree in Business, Finance, and Accounting related field, or equivalent experience.
Minimum of three years (3) of commercial lending/credit experience.
Experience with real estate or commercial lending risk analysis
Well-developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
Detailed knowledge of credit analysis practice and procedure
Familiarity with products and services offered by financial services institutions
Excellent interpersonal skills
Developed decision making
Proven ability to build relationships
Time management/organization skills
Computer skills to include word processing and spreadsheet application
Effective analytical skills
Ability to interact with external and internal customers
Level II additional qualifications:
Minimum of five years (5) of commercial or CRE lending/credit experience or equivalent capital markets/broker real estate experience.
Experience with real estate or commercial lending risk analysis or capital markets real estate underwriting
Institutional CRE experience preferred but not required.
Strong oral and written communication skills
Strong analytical skills

Physical Requirements/Working Conditions:

Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note:

This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.