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Commercial Sr. Portfolio Manager

Location Troy, Michigan, United States of America Category Commercial Real Estate
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JOB DESCRIPTION

Position Title

Commercial Sr. Portfolio Manager

Location

Troy, MI 48098

Job Summary

A Senior Portfolio Manager-Commercial Real Estate is responsible for completing in-depth analysis of commercial real estate loan requests of all levels of complexity. Prepares recommendations based on analysis. Primary responsibilities include; underwriting, approving, monitoring and maintaining the credit quality of a loan portfolio. Orders and interprets due diligence items (environmental, appraisal, inspections, front end construction analysis, etc.). Maintains working relationships with clients as the key point of contact for financials.

Job Responsibilities:

  • 40% of time: Underwrite, Analyze and Close Loans: 

    In conjunction with the Relationship Managers, underwrites, structures and prepares analysis of commercial loan requests using credit analysis and industry and company research. Ensures compliance with all external and internal policies.  Prepares credit approval packages, presents recommendations to the credit team/management, and close commercial loans.

    40% of time: Portfolio Management:

    Responsible for monitoring the credit quality of the assigned portfolio by periodically evaluating financial trends, covenant compliance and borrowing bases, including the preparation of annual (or more frequent) reviews. Responsible for managing delinquencies and collateral exceptions.

    15% of time:  Relationship Management:

    Maintains a visible role in managing the client relationship with clients and agent banks. Responsible for overall portfolio monitoring by collecting and tracking borrower financial information.  Acts key point of contact with clients with financials.

    5% of time: Maintaining Knowledge: 

    Maintains knowledge of the various commercial products available to clients as well as general market/industry trends.

    ADDITIONAL ACCOUNTABILITIES

  • Performs special projects, and additional duties and responsibilities as required.
  • Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.  Accountable to maintain compliance with applicable federal, state and local laws and regulations.

Required Qualifications:

  • Education level required: Undergraduate Degree (4 years or equivalent)  in business, finance or related field.
  • Minimum experience required: 7+ Years of experience in commercial portfolio management/credit analysis.
  • Credit Analysis or Loan Review experience, preferably in the banking industry.

Preferred Qualifications:

  • Formal credit training.
  • Familiarity with nCino/Saleforce, AFS and Baker Hill/Experian preferred.

Job Competencies:

  • Advanced credit analysis skills.
  • Advanced knowledge of account inquiries and investigation.
  • Advanced knowledge of systems and profitability charts.
  • Demonstrated knowledge of financial statement analysis.
  • Ability to effectively interact with all levels of leadership and employees within the organization.
  • Ability to work autonomously, handle multiple projects simultaneously and adapt to new demands and challenges.
  • Proficient in the use of Microsoft Word, Excel, Access, Outlook, and internet searches.
  • Excellent verbal, written and interpersonal communication skills.
  • Excellent analytical and problem-solving skills.
  • Ability to travel up to 10%.
  • Physical demands (ADA): The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting.

Flagstar is an equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identify, or national origin.

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