Job DescriptionApply NowPosition Summary Responsible for originating underwriting and servicing sound commercial real estate loans participating in establishing specific goals for the department.Qualifications Required Bachelors degree in Finance or related field or an equivalent combination of education and work experience10 years commercial real estate loan portfolio management andor equivalent experience underwriting for and placing loans with institutional investorsStrong credit underwriting skillsKnowledge of appraisal practices basic real estate law contracts legal document terminology pertaining to real estate title insurance laws banking regulations policies and proceduresAdept at underwriting residential and commercial projects both on a construction and permanent basisSales or business development backgroundWorking knowledge of commercial real estateAbility to work in a team environment as a role player and leaderStrong computer skills MS Office etc.High degree of attention to detail and ability to multitaskEssential functions and responsibilities Valid Drivers LicenseAnalyzes and screens loan requests on all types of commercial real estate loansInterviews applicants and obtains necessary financial informationPackages loans as required and recommends terms and conditions of loanDevelop and maintain existing and new client relationships with commercial real estate developers and investorsCoordinate closing of real estate loans communicating with borrower attorneys title representatives and construction consultants to assure the loan is closed and documented in accordance with the credit approval.Analyze and fund construction loan advance requests and appropriate back up documentation as presented by the customer including construction inspection reports title bring downs and other relevant construction documentation focusing on construction related risk budget adequacy and adherence to loan documentation takeout agreement and lease requirements.Monitor loan portfolio and assist in reporting of various loan quality measurement including tracking insurance monitoring interest reserves exception tracking preparing reports and ongoing review of expiring loan extensionsPerform frequent site inspections on active construction sites and routine inspectionsCollect and analyze operating statements financial information rents and leasesEvaluate the clients requirements and provide optimal solutions recommending terms and conditions of potential loansDesign modify and recommend program procedures that will attract quality construction and land development loansReport and advise senior management of current lending trends rates and competitive programs in the marketCoordinate loan servicing with the departments processorsMonitor compliance with consumer protection issues and regulations ensuring that the processing and handling of all customer information and confidential bank information is done in a secure mannerDemonstrates and promotes Meridian Banks Core Values Our Partners Our People Our Bank and Our CommunitiesOrganizes schedules and distributes work among assigned employeesInforms assigned employees of pertinent policies and proceduresCreates an environment in which upward communication from employees is encouragedAbides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work placeCommunicates with management other supervisors and employees in order to integrate goals and activitiesOther duties as assignedSuccess factorsjob competencies Excellent verbal and written communication skillsStrong problem solving and analytical skillsLeadership SkillsHighly motivated self-starterConsistently visible and demonstrates leadership competenciesManaging UpwardActively seek coachingAbility to learn and adapt quickly to new situationsStrong organizational and time management skillsAbility to define problems and propose solutionsRelationship management skills and ability to interface confidently with associates of all levels including senior executives business unit and department headsPhysical demands work environment and location Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the necessary functions. This is a largely sedentary role requiring the use of typical office equipment such as a computer laptop and cell phone. Most work is completed in an office environment.Work environment The noise level in this environment is minimalLocation Various Meridian locations as assigned including but not limited to the following job-related travel requirements CustomerClient locations work events charity events loan closings and site visits etc.Equal Opportunity StatementMeridian Bank supports a diverse workforce and is an Equal Opportunity EmployerPerformance standardsAnnual review