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Relationship Manager, Commercial Real Estate
TCF Bank
Denver, CO, United States
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Description
TCF Wholesale Banking is currently looking for a Relationship Managerto join the Commercial Real Estate team. This individual will be responsible for examining, evaluating, and authorizing approval of customer applications for commercial real estate loans; managing a portfolio in excess of $100,000,000. The Relationship Manager aggressively competes for loan and deposit relationships within the Bank’s geographic lending area or with clients in a specific industry segment. In addition, this role will originate, monitor and renew loan relationships consistent with the Bank’s policies and procedures.
Major Areas of Accountability
• Originate, analyze, structure and close profitable loan transactions. Mentor less experienced Relationship Managers as appropriate.
• Maintain and confirm credit worthiness of customers. Gather, review and track appropriate documentation from applicants. Make decisions on loans and terms if within own lending limits.
• Participate in the underwriting of loan requests for new and existing customers. Due diligence includes verifying financial information provided, analyzing financial statements, conducting credit checks and assuring the loan meets all policy and regulatory requirements.
• Serve existing accounts, review quarterly, semi-annual and annual findings for compliance and credit determination. Recognize issues; early problem recognition, remedial management and appropriate coordination with workout is an important part of on-going portfolio management.
• Engage and provide direction to the Bank’s contracted professionals including attorneys, accountants, consultants, appraisers, title companies, and necessary government agencies to ensure successful transactions.
• Provide guidance and direction to Bank’s internal support personnel to ensure proper and accurate completion of loan transactions and day to day operational requirements.
• Promote and cross-sell other bank products and services as appropriate to meet customer requirements. Cross-selling banking services include business checking and treasury management products as well as refer business or property owners to the branches for consumer deposit and loan products.
• Keep management fully informed on all key factors of the bank, the portfolio, client relationships and the competitive environment.
Qualifications
Minimum Qualifications
• Bachelor’s degree in Finance/Accounting/Economics or equivalent work experience
• A minimum of five years of commercial real estate experience
• Direct underwriting and portfolio management experience
• Ability to properly structure loans to minimize risk to the Bank; knowledgeable of negotiating, structuring, and closing commercial loan transactions
• Strong analytical and credit skills
• A high level of interpersonal and sales skills are necessary to compete effectively, present proposals to client and recommend loan transactions to bank senior management
Preferred Qualifications
• MBA in Finance or Accounting
• Previous banking experience
• Excellent verbal and written communication as well as presentation skills
About TCF
Established in 1923, TCF has maintained a strong foundation. TCF has over 340 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Arizona and South Dakota, providing retail and commercial banking services. TCF also conducts commercial leasing and equipment finance business in all 50 states, and commercial inventory finance business in all 50 states and Canada.
Benefits
TCF encourages open employee communications and promotes from within whenever possible. We offer competitive pay, a comprehensive benefits plan, and opportunities for career advancement. For more details on our benefits, click on the Employee Benefits link on our career page.
Proud to be an equal opportunity employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, or other status protected by applicable law. TCF is proud to be an affirmative action/equal opportunity employer. Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.