Senior Credit Originator - Real Estate Banking

JobID: 210528604

Category: Relationship Manager

JobSchedule: Full time

Posted Date: 2024-06-13T14:01:15+00:00

JobShift:

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Senior Credit Originator, Executive Director - Real Estate Banking

Commercial Banking delivers extensive industry knowledge, local expertise and seamless global capabilities to clients, including corporations, municipalities, financial institutions, real estate investors and owners, and not-for-profit organizations, with annual revenue generally ranging from $20 million to $2 billion. We offer a comprehensive set of financial products and services including credit, asset-based lending, real estate finance and treasury. We also provide clients with access to investment banking and asset management services. The Commercial Real Estate Group is made up of four distinct businesses including Commercial Term Lending (CTL), Community Development Banking (CDB), Off Balance Sheet Capital (OBS) and Real Estate Banking (REB).

As a Senior Credit Originator in Real Estate Banking, you will be responsible for overseeing and promoting the new loan origination process for commercial real estate clients. You will leverage your industry knowledge to offer best-in-class financial solutions across all major real estate asset types. You will work with a diverse range of clients, including developers, investors, owners, operating companies, investment funds, real estate investment trusts, and non-profit organizations. Your role will involve evaluating new loan opportunities, structuring complex loans, coordinating the credit approval process, and overseeing 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 loan opportunities and drive strategic new business opportunities; identify strengths and weaknesses of proposed transactions

• Contribute to the development and execution of client strategies in collaboration with Client Executives

• Structure complex loans and coordinate the credit approval process in conjunction with Underwriters, Client Executives, and Credit Executives

• Present to senior management proposed loan transactions; confidently exercise authority while clearly articulating the reasoning behind recommended credit decisions

• Review Underwriting, Investment Committee Memorandums, Credit Approval Packages, and Risk Rating recommendations

• Prepare and negotiate term sheets, negotiate loan documentation

• Coordinate the real estate closing process, including reviewing the due diligence

• Oversee compliance with established underwriting standards and guidelines, credit approval requirements, and other policies and procedures associated with new loan originations

• Assist with training and development of junior staff members and in some cases managing staff

• Act as the primary point of contact for clients regarding credit related issues and ongoing credit requests, actively collaborating with internal product partners to ensure consistent and timely communication related to ongoing loan performance where applicable

Required qualifications, capabilities, and skills

• Minimum 10 years of commercial banking/lending experience, including extensive credit, structuring, closing, and loan documentation experience

• Experience in Commercial Real Estate Credit is required

• 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

• Superior interpersonal skills to interact with clients, counsel, products partners, and senior management

• Significant accounting and finance knowledge, as well as strong knowledge of real estate fundamentals and concepts.

• Strong analytical and business writing skills

• Proficient with Microsoft Word, Microsoft Excel, and Microsoft Power Point

• BA/BBA required

Preferred qualifications, capabilities, and skills

• Completion of a major corporate banking credit training program preferred

• MBA preferred

• Knowledge of JPMC or similar bank policies and procedures preferred