Relationship Manager 1

Job Summary

The Relationship Manager 1– Commercial Real Estate (CRE) is a lender-focused role responsible for supporting the growth and ongoing management of CRE lending relationships through proactive business development, underwriting support, effective loan structuring coordination and disciplined portfolio management.

This position works closely with the Regional Relationship Manager (RRM) to develop, maintain, and expand existing client relationships, as well as to originate new Commercial Real Estate (CRE) relationships through referrals, centers of influence (COIs), and targeted prospecting. The role does not include lending approval authority for unsecured loans and secured loans, consistent with policy and delegated authority.

The Relationship Manager 1 supports end-to-end relationship coverage, including prospecting, client interviews and character assessment, financial analysis, underwriting support, credit positioning, transaction structuring, documentation coordination, closing support, and ongoing portfolio monitoring.

The role requires a working knowledge of key CRE credit metrics, including DSCR, LTV, Debt Yield, guarantor analysis, covenant structures, and recourse frameworks, as well as the ability to clearly communicate transaction rationale and risk considerations to internal partners.

This is a lender-first position. The Relationship Manager 1 is expected to identify and support opportunities to capture core operating deposits and related treasury services that align with CRE lending relationships (e.g., operating accounts, rent collections, reserves, and escrows), in partnership with internal deposit and treasury teams.

Key Responsibilities

Relationship Support / Business Development (In Partnership with RRM)

• Partner closely with the Regional Relationship Manager (RRM) to develop, manage, and execute CRE relationship coverage plans.
• Support business development efforts through networking, community involvement, cultivation of centers of influence (COIs)including attorneys, CPAs, CRE brokers, property managers, lenders, and debt advisors—as well as referrals and targeted prospecting.
• Assist in building and managing a pipeline of qualified CRE opportunities and maintaining consistent follow-up activity. 
• Participate in client discovery meetings to understand sponsor objectives, portfolio strategy, capital needs, timing considerations, and risk tolerance.
• Support competitive positioning of the Bank by assisting with appropriate product recommendations across construction, bridge, permanent, and revolving/line-of-credit structures. 

Underwriting / Credit Analysis / Structuring Support

• Analyze borrower financial statements and guarantor strength, including global cash flow, liquidity, contingent liabilities, and sponsor experience and track record.
• Support underwriting of CRE transactions using key metrics such as DSCR, LTV, guarantor analysis, Debt Yield, break-even occupancy, scenario analysis.
• Assist in evaluating collateral quality and market dynamics, including submarket trends, tenant concentration and lease rollover, rent comparables, capital expenditure needs, and exit liquidity.
• Support loan structuring with appropriate terms and risk mitigants, including covenants, reserves, guarantees, amortization, and recourse/non-recourse structures, consistent with Bank policy and risk appetite.
• Prepare and/or support credit packages for Credit Administration, including documentation collection, financial spreads, and analytical support.
• Recommend approval, decline to RRM and Credit Administration, or submit transactions to credit analysts for review and recommendation, as directed by the RRM and consistent with delegated authority levels.

Portfolio Management / Client Service

• Support active management of a CRE loan portfolio to ensure compliance with Bank policy, regulatory requirements, and credit standards.
• Assist with annual reviews, covenant monitoring, tickler tracking, and collection of borrower and guarantor financial reporting.
• Participate in client discussions to review portfolio performance, covenant compliance, and key risk drivers; escalate concerns and recommendations to the RRM as appropriate.
• Monitor repayment activity and assist with exception management, past-due resolution, and documentation follow-up in accordance with Bank policy.
• Ensure credit files and loan documentation are complete, accurate, and current.

Relationship Expansion (Deposits / Treasury – Supporting Expectation)

• Identify opportunities to enhance client relationships through core operating deposits and related treasury services that align with CRE lending activity (e.g., operating accounts, rent collections, reserve and es