Real Estate Relationship Manager II

To actively manage a loan portfolio of existing clients; to solicit, examine, evaluate, and authorize or recommend approval of customer applications for commercial Real Estate loans.The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.Develop sales leads independently and by cooperation with the Business Development officer and Branch Managers to attain new business relationships and product sales.Manage a loan portfolio of existing clients and monitor loan quality; Be responsible for all aspects of loan administration for this portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit.Oversee and ensure accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, completeness of loan packages, and timely processing, funding, and closing of committed loans.Interview applicant(s) and request specified information for loan application.Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants’ evaluations.Analyze applicant financial status, credit, banking status, and other information to determine feasibility of granting a loan.Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.Present loans to appropriate approving authority or Loan Committee for approval.Call and visit customers, prospects, and referral sources / centers of influence (COIs) to promote and sell Bank products and services.Respond to customer information requests or inquiries involving small business loans.Provide loan data to support marketing and sales promotion programs as required.Promote and cross-sell other Bank products and services as appropriate to customer requirements, such as Business Checking and Cash Management.Education and ExperienceBachelor’s degree from four-year college or universityMinimum of 5 years’ experience in commercial lending.Formal credit training preferredSkills and CompetenciesComprehensive knowledge of real estate related commercial lending, including a solid understanding of underwriting and credit.Good verbal and written communication skills.Satisfactory knowledge of loan documentation.Good organizational and time management skills; the ability to prioritize tasks.Thorough knowledge of products and services offered by the Bank.Working knowledge of Microsoft Excel, Word, and PowerPoint.Ability to remain calm and efficient under pressure to meet requirements and deadlines.Working ConditionsTraditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday - Friday) with operational hours of 8:00am - 5:00pm. Moderate to frequent local travel required.Physical DemandsPenn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.Lifting/carrying up to 10 lbs.Manual dexterity for computer workSpeaking, hearing, and vision are required to perform essential functionsAbility to drive, with a valid driver’s license, to meet with customers outside of the office; Events may occasionally require work on evenings and weekends.

Created: 2025-11-01