Senior Level Portfolio Management Analyst Jobs

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Overview

The Commercial Real Estate Portfolio Management Officer is responsible for managing an assigned portfolio of commercial real estate loans. This includes underwriting and processing new credit requests, including complex credits and construction projects, as well as underwriting specialty property assets. The role also involves handling renewals and modifications of existing credits, conducting annual loan reviews, monitoring loan covenants, and assessing risk changes based on market and industry conditions. Additionally, this position will report directly to the Real Estate Risk Manager (or their designee) and will be responsible for executing special projects as needed.

- Ensures compliance with underwriting guidelines, credit policy, as well as regulatory requirements and responsibility for understanding all material respective changes and their potential impact on the loan portfolio.
- Conducts or coordinates structuring and underwriting of new credit requests and preparation of credit approval packages, responsible for aggregating credit relationship details and quality control of any supporting analysis prepared by colleagues in conjunction with the underwriting process.
- Responsible for keeping the Real Estate Risk Manager and/or the Director of Real Estate Risk advised on adverse changes in the risk profile of loans within their assigned portfolio due to changes in financial performance as well as market and industry conditions.
- Participates with Relationship Managers by monitoring, maintaining, and potentially growing loan portfolios. Helps with the identification of any changes in risk associated with existing loans and takes necessary course of action.
- Supports Relationship Managers in the maintenance of existing loan client relationships by processing renewal/modification transactions related to upcoming maturing credits, including participating in any applicable restructuring of existing terms and conditions.
- Collaborates with the Relationship Manager in the gathering of clients’ financial information for timely preparation of all underwriting and portfolio servicing assignments, including but not limited to annual loan review and covenant testing.
- Support the Relationship Manager when necessary to document risk rating changes, Watch List Action Plans, and/or the transfer of underperforming credits to the Asset Recovery Department.
- Supports Relationship Managers in their sales efforts, accompanying Relationship Managers on joint client and prospect calls, and supports other sales/client-oriented projects as needed, including but not limited to providing market research.
- Develops a working knowledge of all existing client relationships and prospect opportunities.
- Participates with Bank examiners, auditors, and loan review staff in their review of the Real Estate loan portfolio, including coordination of any loan-related requested materials and completion of responses as required.
- Participates in industry-sponsored associations, seminars, and activities to further the Bank’s understanding and presence in the market.
- Conducts ad hoc projects and assignments as directed by the Real Estate Risk Manager or Director of Real Estate Risk, or their designee.

Qualifications

- 10 years of commercial real estate underwriting and or portfolio management, preferably with OCC regulated institutions.
- Construction underwriting experience a plus.
- C&I experience (with owner-occupied Real Estate) a plus.
- Computer literate; fluency in Microsoft Office programs, particularly Excel analysis required.
- Strong verbal, written, and interpersonal skills.
- Effective report writing and other written communication skills.
- Detailed-oriented and organized.
- Ability to solve problems, make decisions, juggle underwriting of multiple deals, prioritize tasks, and meet required deadlines.
- Ability to highlight loan risks or any problems or questions during the deal underwriting phase and prior to finalizing the analysis.
- Ability to make decisions quickly and confidently based upon the analysis.
- Ability to work independently with minimal supervision.
- Clear verbal communication with internal clients as well as external clients and third-party participants (as needed).
- Ability to establish and maintain effective work relationships both internally and externally.

Education

Bachelor's Degree in Accounting, Finance or Economics.

Benefits & Perks

We offer a competitive benefits package designed to support your success:
- Health Coverage: Medical, dental, and vision plans with employer contributions.
- Retirement Savings: 401(k) with matching.
- Paid Time Off & Holidays: Generous PTO and paid holidays.
- Wellness Support: Access to mental health and financial wellness resources. Visit our benefits page to learn more Benefits! Join City National Bank of Florida. The possibilities are endless.

Special Information To Candidates

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair and consistent interview process, applicants are not permitted to use AI-enabled devices during interviews, including AI glasses or similar wearable technology that can record, transmit, or generate real-time information. Applicants who require a reasonable accommodation to participate in the interview process should contact talent.attraction@citynational.com in advance of the interview to submit an accommodation request. City National Bank of Florida will engage in the interactive process and provide reasonable accommodations in accordance with applicable law.