Job Description

Position Type
Job Location
7830 Old Georgetown Road, Bethesda, MD
Tracking Code


Independently manages a portion of the loan portfolio of one or more Relationship Managers. Facilitates new and existing credit underwriting. Processes loan renewals and tracks covenant compliance. Works with Relationship team to clear past dues, clear exceptions, review loan advances and pay downs, review borrowing bases. Works with the Senior Underwriter to create, update and administer credit procedures as well as review and provide input to other Portfolio Managers on the team or in the department.


  • Manages portfolio independently. Monitors portfolio performance and covenant compliance.
  • Maintains timeliness and accuracy of credit underwriting
  • Renews all credit facilities in the assigned portfolio
  • Works with the Senior Underwriter to create and implement new portfolio management and underwriting procedures.
  • Contacts borrower (Owner, Principal, Controller, CFO, or CEO, depending on the size of the Company), spreads financials, writes approval memo, and puts together approval package
  • Works with Relationship Manager to assist with new loan transactions
  • Collects information, prepares term sheet, works with the Credit Group in underwriting the transaction.
  • Coordinates with third parties (appraisers, environmental engineers, attorneys, title companies) and closes the loan
  • Reviews other PM underwriting work product for accuracy and completeness
  • Works with team on past dues, exceptions, reviewing and signing off on advances and borrowing bases
  • Evaluates and reports individual loan risks through participation in the quarterly loan surveillance program
  • Participates on phone calls and/or face to face meetings with prospective and existing clients
Required Skills
  • Required Knowledge & Skills:

    • Proficient in evaluating real estate credit risk
    • Excellent writing skills
    • Strong communications skills
    • Strong credit/underwriting knowledge
    • Intermediate skill level MS Office products
    • Banking product knowledge

Required Experience
  • Required Education/Experience:

    • HS Diploma or Equivalent
    • Bachelor’s Degree in Business, Finance or related field or 3 additional years of commercial credit or analysis.
    • 5 years of experience in portfolio management and commercial underwriting including structuring and pricing loan transactions. Must be proficient in evaluating commercial credit risk. Must be able to work autonomously with minimal oversight from the RM.
    • Formal or in-house credit training required

    Preferred Education/Experience:

    • MBA or Master’s Degree preferred

    Required Certifications, Licenses or systems needed:

    • None required

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.

Application Instructions

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