AVP/VP, Underwriting, Real Estate Finance

• Assist in all aspects of origination activity leading to the closing of new transactions • Evaluate financing requests to determine credit quality of opportunities and appropriate loan structures • Conduct diligence and underwriting on new loan opportunities, ensuring that the loan/facility meets the Bank’s credit policy/guideline • Ensure business terms and structure are accurately captured in loan structure and documentation: • Legal documentation for loans including participation agreements, loan agreements, and ancillary legal docs • Varying loan structures and related inter-creditor issues • Different commercial real estate product types • Identify specific merits, risks, and mitigates for each transaction • Ensure loan documentation and credit files are timely updated and maintained in the Bank’s internal document retention system in compliance with internal procedures and banking guidelines • Facilitate loan closings ensuring that legal documentation, 3 rd parties/due diligence, and internal processing requirements are completed and processed per credit policy • Work directly with the prospective borrower to gather information and diligence materials, while maintaining strong working relationships with the key contacts • Maintain detailed financial models and develop sensitivity analyses • Perform market, industry, and sponsor due diligence • Collaborate with Portfolio Management on modifications, extensions, risk ratings, and other asset management issues • Perform other duties as assigned

• Associate’s Degree required; Bachelor’s Degree preferred • Minimum 6 years (AVP) or 8 years (VP) of experience in underwriting and managing credit risk within Commercial Real Estate and/or Lending required • Proficiency with Microsoft Office tools (Outlook, Word, PowerPoint, Excel), Argus, CoStar, and REIS • Excellent verbal, written, and interpersonal communication skills • Strong organizational skills and attention to detail • Outstanding problem-solving and time management skills • Self-motivated, self-directed, and results-oriented • Adaptable and able to multitask in a fast-paced environment • Can work independently and within a team; solution-oriented with a collaborative approach