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Summary

Responsible for evaluating, recommending approval or declining of routine to intermediate commercial real estate loan applications in a timely manner and according to business and bank standards. Performs portfolio management duties such as tracking loan compliance, past dues, collateral monitoring, risk rating migration, clearing and minimizing exceptions, and completing renewals/reviews.

Scope of Responsibilities

Loan documentation negotiations are more involved than the CRE Portfolio Manager 1 level.

Member of the customer's Credit Delivery Team. Works in a very close partnership with commercial real estate bankers to effectively deliver services. Coordinates and facilitates lending activities as required.

Portfolio Expectations

Number of Accounts: 10-20

Portfolio Commitments: $50MM - $100MM

Essential Duties and Responsibilities include the following. Other duties may be assigned.

Works directly with the CRE Relationship Bankers to obtain all necessary financial statements and project information in order to analyze credit requests.

Analyzes financial statements including footnotes.

Completes due diligence process by ordering reports.

Teams with Senior CRE Portfolio Manager and CRE Banker to provide support as needed to help develop the structure and pricing of a transaction.

Prepares credit approval package that clearly outlines and expresses a reasoned opinion on key considerations in the credit decision.

Conducts company, industry, and market analyses to further assess borrower credit quality.

Performs market and industry analyses to understand macroeconomic and industry drivers.

Monitors documentation process and approves all legal documents.

Reviews and approves all legal documents, whether internally or externally prepared, to ensure accuracy and completion in accordance with loan approval.

Works with CRE Bankers in obtaining and reviewing construction loan documentation (construction contract, architect's contract, final plans and specifications, final cost breakdown/schedule of values, construction disbursement schedule).

Reviews draw requests (AIA G702 form) and coordinates property inspection and certification of draw by Bank's inspector.

Underwrites extensions, modifications, and renewals, including performing and reviewing financial analyses and updating the borrower's credit file.

Tracks and resolves document exceptions related to closing and ongoing exceptions. Monitors credit status and quality of loans on a regularly scheduled basis, including assessment of current risk rating.

Tests project performance against original underwriting and appraisal projections upon receipt of required reporting information (i.e., monthly, quarterly, semi-annual, or annual operating statements, leasing reports/rent rolls, etc.).

Performs annual, quarterly, or more frequent reviews (depending on the risk rating and type of project) to assess project performance and risks associated with the project, borrower, and guarantors

Obtains market and industry information.

Provides general support to Commercial Real Estate Underwriters and Bankers

Serves in civic, community and industry activities as needed.

Keeps informed of current economic conditions and legislation which may affect customer relationships and the Commercial Line of Business.

Performs other related job duties and special projects as assigned.

Complies with all applicable federal, state and local banking and industry related laws and regulations including, but not limited to, the Bank Secrecy Act

Demonstrates organizational integrity and business ethics as it relates to this position, and communicates this commitment to any applicable subordinates.

Secures and safeguards all customer information according to bank guidelines, including cash, customer account data, and other sensitive information.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Education and/or Experience

Required: Bachelor's degree in Business Administration, Finance, Accounting or a related field. Two to five years of credit analysis experience and working with Commercial Real Estate Underwriters and Relationship Bankers. Successful completion of formal commercial credit training program. Experience working with a variety of intermediate level credits.

Preferred education: Master's degree

Knowledge, Skills & Abilities

Advanced knowledge of commercial and retail lending services, documentation, underwriting and regulatory guidelines. Advanced understanding of financial ratios and business principles. Knowledge of credit analysis and lending functions. Working knowledge of all bank products and services.

Ability to use rigorous logic to solve complex problems with effective solutions.

Ability to interpret personal and business tax returns and financial statements.

Ability to calculate financial ratios and apply basic business principles.

Language Skills

Ability to communicate effectively orally and in writing using the English language; Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations; Ability to write reports, business correspondence, and procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

Ability to work with mathematical concepts such as probability and statistical inference; Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists; Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Certificates, Licenses, Registrations

No specific requirements are needed to satisfactorily perform this job

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:

• Ability to work under stress and meet deadlines
• Ability to operate related equipment to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to travel if required to perform the essential job functions
• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

DISCLAIMER

This job description is only valid as of the date it was revised. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential to Hancock Holding Company.

NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THE JOB AT ANY TIME

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.