Job Description

You are customer focused, enjoy building relationships and providing credit advice to your clients. A role as a Credit Originator is for you.

As a Credit Originator within our Real Estate Banking team, you will play a pivotal role in overseeing the new loan origination process for commercial real estate clients. You will be part of a dynamic team that provides extensive industry knowledge, local expertise, and a comprehensive set of financial products and services to a diverse client base. This role offers the opportunity to work with a range of clients, from corporations and municipalities to real estate investors and not-for-profit organizations. You will be responsible for evaluating new loan opportunities, structuring complex loans, coordinating the credit approval process, and ensuring compliance with established underwriting standards and guidelines. This role provides an opportunity to apply your strong working knowledge of the commercial real estate industry and banking rules and regulations, and to lead a team to deliver accurate, timely results.

Job Responsibilities:

• Evaluate new secured loan opportunities and drive the client's loan origination process
• Structure complex loans and coordinate the credit approval process in conjunction with risk team members
• Present proposed loan transactions to senior management, articulating the reasoning behind recommended credit decisions
• Prepare and review underwriting and investment committee memorandums
• Prepare and negotiate term sheets, negotiate loan documentation, and coordinate the real estate closing process, including reviewing due diligence
• Oversee compliance with established underwriting standards and guidelines, credit approval requirements, and other policies and procedures associated with new loan originations
• Serve as the primary client contact throughout the credit originations process as well as ongoing credit management
• Actively engage in credit portfolio reviews with the risk team and ongoing portfolio monitoring of existing loans
• Partner with bankers on proactive approaches to pitch additional credit solutions
• Assist with training and development of junior staff member, serving as a coach to develop their credit analysis and structuring skills

Required Qualifications, Capabilities, and Skills:

• Five plus years of commercial banking lending experience, including extensive credit, structuring, closing, and loan documentation experience
• Excellent communication skills, including the ability to clearly express and support opinions in a confident and diplomatic manner, listen thoughtfully to the input and critiques of managers and team members, and effectively articulate positions to senior management
• Strong analytical and business writing skills

Preferred Qualifications, Capabilities, and Skills:

• Completion of a major corporate banking credit training program
• Knowledge of JPMorgan Chase or similar bank policies and procedures
• Superior interpersonal skills to interact with clients, counsel, product partners, and senior management
• Significant accounting and finance knowledge, as well as strong knowledge of real estate fundamentals and concepts

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