Job Summary: The Commercial Real Estate Underwriter/Portfolio Manager will be responsible for evaluating, underwriting, and managing a diverse portfolio of commercial real estate loans. This role involves analyzing financial statements, property performance, market trends, and borrower creditworthiness to make informed lending decisions. The ideal candidate will have a strong understanding of commercial real estate financing and a proven ability to manage loan portfolios effectively.

Key Responsibilities:

• Conduct detailed underwriting of commercial real estate loan applications, including property-level cash flow analysis, market analysis, and borrower credit assessment.
• Review and analyze financial statements, rent rolls, property appraisals, and other relevant documents.
• Assess risk and structure loan terms to mitigate potential issues while meeting company lending criteria.
• Prepare detailed credit memos and present recommendations to the credit committee.
• Manage an assigned portfolio of commercial real estate loans, ensuring compliance with loan terms and conditions.
• Monitor property and borrower performance, identifying and addressing potential risks proactively.
• Conduct periodic portfolio reviews and provide recommendations for risk mitigation or loan restructuring when necessary.
• Maintain strong relationships with borrowers, brokers, and other stakeholders.
• Ensure all underwriting and portfolio management activities comply with company policies, industry standards, and regulatory requirements.
• Maintain accurate and up-to-date documentation for all loans and portfolio management activities.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Real Estate, or a related field.
• Minimum of 5 years of experience in commercial real estate underwriting, portfolio management, or related roles.
• Strong analytical skills with a deep understanding of financial modeling and risk assessment.
• Proficiency in financial analysis software and Microsoft Office Suite (Excel, Word, PowerPoint).
• Excellent written and verbal communication skills.
• Ability to manage multiple tasks and meet deadlines in a fast-paced environment.
• Knowledge of real estate market trends, property types, and regulatory requirements.