Vice President, Portfolio Manager

Emploi pas sur LinkedIn

🕒 il y a 8 mois

🗽 New York – Distant

🗽 New York – Remote

💵 €110 000 - €130 000 / an

⏰ Temps Plein

🔴 Expert

👔 Vice-président

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Ready Capital

Site WebLinkedInTous les Emplois

501 - 1000 employés

Fondée en 2012

🏠 Immobilier

💸 Finance

Real Estate • Finance

Ready Capital est une entreprise de financement immobilier multi-stratégies qui génère, acquiert, finance et gère des prêts commerciaux de petite à moyenne taille à travers les États-Unis. La société est spécialisée dans les prêts immobiliers commerciaux, y compris les prêts multifamiliaux d'agence, les prêts Freddie Mac de petite taille, le financement relais et de construction, et opère également en tant que prêteur préféré de la SBA offrant des prêts SBA 7(a) aux entreprises à l'échelle nationale. Cotée en bourse en tant que REIT hypothécaire (NYSE : RC), Ready Capital met l'accent sur l'échelle et la fiabilité avec une présence nationale et un historique significatif d'origination de prêts.

Description

• Provide excellent and professional customer service to the borrower, lender, and governing agencies. • Ensure relationships remain strong and healthy. • Supervise Servicing Credit Analyst (including Decimal Point), review all financial spreads and narratives prepared by them, and ensure quality assurance of SBA/USDA credit files prior to audits and regulatory reviews. • Review borrower service requests, gather necessary information, and underwrite servicing actions—including modifications, annual loan reviews, and amendments such as collateral releases, pricing adjustments, risk-rating changes, and other necessary modifications—in accordance with lender policies, agency regulations, SOPs, and CFR. • Manage all aspects of portfolio management for SBA, USDA, Main Street, and conventional loans according to lender credit policy and SBA/USDA procedures, including portfolio monitoring, collections on past due accounts, collection of financial documentation, annual reviews, servicing actions, and communication with the SBA/USDA. • Collaborate with legal counsel, lenders, borrowers, and third parties on credit actions and servicing requests, including loan modifications, annual reviews, and documentation exception management; engage with all parties both verbally and in writing. • Complete comprehensive narrative annual reviews for each existing SBA/USDA loan, including business and personal financial analysis, credit analysis, lien perfection, property valuation, industry comparisons, risk identification and mitigation, and loan grading recommendations. • Order and review third-party reports such as real estate appraisals, environmental assessments, title reports, and business equipment valuations as required. • Ensure proper implementation of LSP, lender, and SBA/USDA business policies and procedures, and promote adherence to regulatory compliance requirements. • Maintain and manage financial and insurance ticklers, collect statements and policies, prepare SBA/USDA loan files for regulatory or agency audits, and fulfill all portfolio management responsibilities—including collections and communications between the lender and the SBA/USDA, and oversight of portfolio management expenses. • Participate in special projects and support the SBA/USDA servicing department as needed, including assisting borrowers with servicing actions and tracking financial, insurance, and covenant requirements.

🎯 Exigences

• Bachelor’s degree in Finance, Accounting preferred. • Minimum of 7 years’ experience in Small Business Lending/Real Estate Lending preferred with focus on credit analysis. • Knowledge of the SBA and USDA rules and regulations, preferred. • Strong credit skills. • Leadership and motivational skills, good written and verbal communication skills, decision-making and analytical skills and ability to work well under pressure. • Operate other standard office equipment; type accurately at a speed necessary to meet the requirements of the position; organize work, set priorities and exercise sound independent judgment within established guidelines; interpret, apply, explain and reach sound decisions. • Proficient in Microsoft Office Suite, working with Word and Excel or similar spreadsheet software. • Ability to read and comprehend instructions, short correspondence, and memos. • Ability to write simple correspondence. • Ability to write basic routine reports and correspondence. • Ability to interact effectively with management, other employees, customers, and representatives from other organizations. • Diplomacy in dealing with internal and external clients.