Investment Officer CML Production

Job Posting End Date:

April 13 When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: Award-winning culture Inclusion and diversity as a priority Performance Based Incentive Plans Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability Generous PTO (including paid time to volunteer!) Up to 9.5% 401(k) employer contribution Mental health support Career advancement opportunities Student loan repayment options Tuition reimbursement Flexible work environments •All the benefits listed above are subject to the terms of their individual Plans. And that's just the beginning… With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!

General Summary:

General Summary This position is responsible for the production of commercial mortgage loan investments, including origination and underwriting, for a limited number of states as agreed upon with the AVP. The incumbent will work closely with legal and other team members, both in terms of underwriting new transactions and monitoring transactions within their portfolio in conjunction with the asset management function. The incumbent will have support from Investment Officers and the VP in loan pricing and complex loan negotiations. Principal Duties and Responsibilities Conduct analysis and underwriting of potential mortgage transactions, specifically including underwriting of the real estate, income/expense stream, borrowing entity, and regional economic and market indicators. With support from VP and Investment Officers, negotiate pricing to adequately cover the risk, while maximizing the spread; may also receive support from VP and Investment Officers for more complex loan negotiations. Generate, analyze, negotiate, structure, and commit commercial mortgage loans in a limited territory. Within limited territory, develop and maintain strong network of correspondents and brokers. Develop and maintain understanding of real estate market conditions, financial markets and trends as they relate to commercial mortgage loans. Contribute information and analysis to aid portfolio timing and strategy relative to commercial mortgage investments. Work with team members to assure data integrity in system on new deals. Independently prepare written analysis of proposed investments and present to Private Asset Committee. Work with internal and external legal counsel on the structure of proposed and committed transactions, terms of loan documents and closing requirements Perform regional asset management for existing investments, including inspections, evaluations and review of risk ratings. Work with VP and Investment Officers to provide assistance in monitoring/managing loan portfolio and make recommendations with respect to modifications or amendment requests. Job Specifications BA in business, real estate, finance, economics, or related field required. Advanced degree or certification in related field, such as MBA, CFA, CPA, or JD preferred 5-6+ years work experience in commercial mortgage lending or equivalent relevant experience Solid knowledge of real estate finance, valuation and credit analysis, as well as real estate documentation Computer skills, including Word, Excel; ability to learn new software and utilize external quantitative tools that value corporate credit risk Proven negotiation skills Ability to work independently within a team-oriented environment Ability to travel regularly to meet with borrowers and review real estate Solid written and verbal communication skills Ability to travel regularly to meet with borrowers and review real estate #LI-AF1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $89,400.00-$183,500.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company:

Unum Join our talent community to receive notifications about jobs relevant to your interest. Join our Talent Community! At Unum Group, we're a Fortune 500 company and leading international provider of workplace benefits and services, helping workers and their families thrive for more than 175 years. Through our Unum and Colonial Life brands, our company offers disability, life, accident, critical illness, dental and vision insurance; leave and absence management support; and behavioral health services. Our 10,000+ employees work across operations in the US, UK and Poland, as well as our dedicated Technology Centre in Ireland. Unum Group is committed to working with and providing reasonable accommodations for any applicant with a disability. If you are disabled and need a reasonable accommodation to participate in the application or hiring process, please contact us by submitting a request here.