Residential Real Estate Relationship Manager I/ II/ III
On-siteHouston, Texas, United States
Houston, Texas, United StatesOn-siteFull TimeBachelors DegreeLarge
Full TimeBachelors DegreeLarge
Job Summary
Manage commercial loan portfolios by conducting project analysis, underwriting, risk assessment, and closing documentation. Execute business development through customer calls, prospect identification, and cross-selling to drive new business and expand existing relationships. Provide high-level customer service to build trust and identify opportunities for additional product lines. Make loan pricing decisions within credit authority and recommend credit approvals to the Senior Loan Committee. Maintain professional community relations to enhance the bank's visibility and support departmental goals.
Required Qualifications
- Bachelor's degree in business, finance, accounting, related field, or equivalent experience
- Minimum of three years proven and progressive commercial lending/credit experience or equivalent
- Experience with real estate or commercial lending risk analysis
- Developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
- Practical working knowledge of sales principles
- Detailed knowledge of credit analysis practice and procedure
- Familiarity with products and services offered by financial services institutions
- Effective oral and written communication skills
- Excellent interpersonal skills
- Developed decision making and persuasion skills
- Proven ability to build relationships
- Time management/organization skills
- Computer skills to include word processing and spreadsheet application
- Customer contact and sales and service skills
- Must possess a high level of analytical skills
- Must possess effective interpersonal skills
- Motivation and initiative are essential
- Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens
Desired Qualifications
- Minimum 5 years of progressively increasing commercial lending experience
- Knowledge of pricing models as it relates to profitability of lending unit
- Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
- Knowledge of sales principles
- In-depth knowledge of products and services offered by financial services institutions
- Strong analysis, judgment, and communication (oral and written) skills
- Should possess excellent negotiation and problem-solving skills
- Ability to present loan commitments to executive management of customers should be attained prior to this level
- Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
- Results-oriented, flexible, and demonstrated ability to prioritize work assignments
- Minimum 10 years' experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
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