Intracoastal Bank is seeking a highly motivated and experienced Commercial Real Estate (CRE) Relationship Manager to join our dynamic banking team.

At Intracoastal Bank, you will be part of a diverse team of top performers in banking that is passionate about providing exceptional service and banking solutions to our communities to help them thrive. You will be inspired by the stability and integrity of our community bank and proud of the relationships you build that help your clients succeed.

Over the years, we have established ourselves as a market leader in community banking and we’re looking for the right person to help take us to the next level. If you have an entrepreneurial and innovative approach to business, coupled with drive and a commitment to growth, we want to meet with you.

Why Intracoastal Bank?

It’s like working for a small business that happens to be a bank that is unique in the industry.
We have an entrepreneurial spirit!
You get to work with the “A” team of bankers.
You’ll have a positive work environment with supportive managers and teammates.
You’re encouraged to become passionate about and involved in your community.
You will be empowered to impact change.
You will experience the reward of assisting in the growth and success of local businesses.
You will be part of a company that invests in you!

Exceptional Benefits Package!

Employee Stock Ownership Program (ESOP): You will have the opportunity to participate in and reap the rewards of the growth of the company through this prestigious profit-sharing program.
401k Retirement Plan: You will also be able to participate in a 401k retirement program.
Professional Development: You will receive tuition assistance for your professional development.
Paid Time Off: You will have 11 paid holidays, a paid birthday/flex day, and 15 PTO days per year.
Health Insurance: You will have fully-paid employee health insurance with several options to choose from.
Other Insurance: You will be able to enroll in other group insurance benefits such as dental, vision, life, disability, as well as pet insurance, legal aid, auto/home insurance, identity theft protection, other supplemental benefits, and an Employee Assistance Program (EAP).
And there’s more! You get a free checking and savings account and a free safety deposit box.

The CRE Relationship Manager is responsible for overseeing the commercial real estate portfolio, managing client relationships, and driving business growth through effective loan origination, underwriting, and portfolio management. The ideal candidate will have a strong background in commercial real estate finance, exceptional analytical skills, and a proven track record of managing complex financial transactions.

What’s required of this role to join the Intracoastal “A” team?

Required Qualifications

Education: Bachelor’s degree in Finance, Real Estate, Business Administration, or a related field.
Experience: Minimum of 10-15 years of experience in lending, primarily Commercial Real Estate lending, with extensive knowledge of financial institution policies and procedures regarding consumer, commercial, and mortgage lending.
Skills and Abilities:
- Strong understanding of commercial real estate markets, property valuation, and financial analysis.
- Excellent negotiation and relationship-building skills.
- Proficiency in financial modeling and risk assessment tools.
- Knowledge of banking regulations and compliance requirements.
- Exceptional communication and presentation skills.
- Strong research and problem resolution skills.
- Superior customer service skills.
- Ability to work with all levels of employees.
- Proficient with Microsoft Windows, Word, and Excel.
Knowledge:
- Accounting procedures, financial statement analysis, and credit decision process.
- Various analytical tools with regard to the extension of credit.
Certifications: Formal credit training, preferably in commercial banking environment.
Attributes: Detail-oriented, proactive, and able to work independently in a fast-paced environment.

Exertion/Physical Requirements

Repetitive Motion: Movements frequently and regularly using wrists, hands, and/or fingers and reaching with hands and arms, including writing, typing, and operating a computer.
Speaking/Communication: Especially where one must frequently convey detailed or complex instructions or ideas accurately and/or quickly.
Vision and Hearing: Average, ordinary visual acuity to prepare or inspects documents or products, including technical financial documents and equipment operation. Able to hear average or normal conversations and receive technical information.
Physical Strength: Sedentary work, sitting most of the time. Some standing and walking. May be required to move/lift objects weighing up to 20 pounds occasionally.

What You’ll Do In This “A” Team Role

Portfolio Management: Oversee and manage the bank’s commercial real estate loan portfolio, ensuring compliance with credit policies, risk management standards, and regulatory requirements.
Loan Origination: Identify and develop new business opportunities by building relationships with commercial real estate developers, investors, and property owners.
Underwriting and Analysis:
- Conduct thorough financial analysis, risk assessments, and due diligence for all types of loans, primarily focused on commercial real estate loan applications.
- Present requests to management, loan committee, or Board Loan Committee/Board when the proposed loan is beyond departmental lending authority as required.
Client Relationship Management:
- Manage a portfolio of commercial loan relationships, facilitating all aspects of client management, including calling effort to retain and expand the relationship to meet additional needs.
- Counsel loan customers on loan management and beneficial strategies to secure new opportunities.
Market Research: Stay informed about local and national commercial real estate market trends, including property values, rental rates, and economic factors impacting the industry.
Risk Mitigation:
- Monitor portfolio performance, identify potential risks, and implement strategies to mitigate credit and operational risks.
- Participate in continuing education programs and seminars as needed to assure currency with changing rules and regulations affecting the bank.
- Perform any actions necessary to assure the safeness and soundness of the Bank in accordance and compliance with all appropriate Federal and State regulations governing the Bank’s lending activities.
Collaboration: Coordinate with and assists leadership and management of the Bank’s business line (loans, deposits, and ancillary services) and all activities related to loan and deposit procurement and production.
Reporting: Prepare and present detailed reports on portfolio performance, market conditions, and business development activities to senior management.
Regulation and Compliance:
- Support CLO and Chief Credit/Risk Officer with the oversite of loan operations, regulatory relations, and compliance as required.
- Represent the Bank to regulatory and supervisory agencies as required.
- Maintain and enhance information based on local and national economics, as well as other concerns that would impact the Bank’s lending activities.
Loan Management:
- Oversee the collection and review of updated financial data and ensures the prompt monthly repayment of the related loans.
- Help support management by monitoring the performance of the Bank’s loan portfolio from the perspective of both credit quality and profitability as required.
- Coordinate with CLO to assist Relationship Managers in management of the Bank’s large or complex Commercial Real Estate loans as needed.
Networking: Effectively represent the Bank to the community, including attending networking opportunities with the Chambers, Economic Development Groups, Team Volusia, and the CID Realtors monthly meetings.
Development: Coordinate with CLO, RMs and RBs to implement business development activities, such as customer calls on existing clients, COIs, or prospects to effectively execute the key tactics of our Marketing Strategies.

Intracoastal Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Requirements

Exertion/Physical Requirements

Repetitive Motion: Movements frequently and regularly using wrists, hands, and/or fingers and reaching with hands and arms, including writing, typing, and operating a computer.
Speaking/Communication: Especially where one must frequently convey detailed or complex instructions or ideas accurately and/or quickly.
Vision and Hearing: Average, ordinary visual acuity to prepare or inspects documents or products, including technical financial documents and equipment operation. Able to hear average or normal conversations and receive technical information.
Physical Strength: Sedentary work, sitting most of the time. Some standing and walking. May be required to move/lift objects weighing up to 20 pounds occasionally.

Intracoastal Bank

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