Sr. Advisor, CRE Portfolio Manager

·         Serve as a dedicated resource to CRE Relationship Managers, providing portfolio administration support that enables them to focus on client development and deal execution.

·         Support Relationship Managers and Credit Analysts with the preparation and review of credit memos, including new requests, loan modifications and extensions, and annual review. .

·         Assist Relationship Managers and Relationship Associates in the management and review of draw requests and the disbursement of construction loan commitments.

·         Assist Relationship Managers and Relationship Associates as necessary in the loan closing process including the organization of due diligence material and review of loan documentation.

·         Proactively communicate portfolio status, open items, and upcoming deadlines to Relationship Managers to ensure nothing falls through the cracks.

·         Contribute to a collaborative, high-performing team environment by sharing knowledge, supporting colleagues, and continuously improving team processes.

·         Receive, review, and track all covenant reports across the CRE portfolio, including financial covenants, documentation requirements, and ongoing monitoring obligations.

·         Maintain a thorough working knowledge of covenant categories, reporting cadences, and compliance thresholds applicable to each loan type and borrower.

·         Work directly and regularly with Relationship Managers to scrub covenant reports, identify outstanding deficiencies, and drive timely resolution — with particular focus on past-due items exceeding established guidelines.

·         Escalate unresolved covenant exceptions to management with clear documentation of status, aging, and recommended next steps.

·         Maintain accurate and up-to-date covenant tracking records to support audit readiness and management reporting.

·         Partner with Operations and Relationship Managers to monitor proper collateral filings across the CRE portfolio, ensuring all UCC filings, deeds of trust, mortgages, and other security instruments are current and accurately recorded.

·         Identify and resolve collateral documentation gaps or exceptions in a timely manner, coordinating with legal, Operations, and RMs as needed.

·         Track collateral expirations, renewals, and required re-filings to ensure continuous perfection of FNBO's security interests.

·         Maintain organized and complete collateral files in accordance with FNBO policy and regulatory requirements.

·         Interact directly with Operations to ensure proper reporting time frames are accurately reflected on covenant and monitoring reports.

·         Identify and resolve discrepancies between loan system data and actual reporting requirements, working collaboratively with Operations to implement corrections.

·         Serve as a liaison between the CRE team and Operations on day-to-day portfolio administration matters, ensuring clear communication and timely resolution of open items.

·         Support the preparation of portfolio-level reports and management updates as requested by CRE leadership.

·         Work directly with Credit Administration and Operations on nCino needs, ensuring proper data inputs, system configurations, and workflow accuracy across the CRE portfolio.

·         Review and validate nCino records for completeness and accuracy, identifying and correcting errors or missing information in coordination with the appropriate teams.

·         Support the ongoing optimization of nCino workflows and reporting capabilities within the CRE group.

·         Serve as a knowledgeable resource on nCino functionality for RMs and team members, providing guidance on proper system use and data entry standards.

·         Maintain a current and thorough understanding of FNBO's credit policies, procedures, and regulatory requirements as they apply to the CRE group.

·         Review portfolio activities and documentation against applicable policy requirements, identifying exceptions and working with RMs and management to address them proactively.

·         Support the CRE team in preparing for internal audits, regulatory examinations, and credit reviews by ensuring portfolio documentation and reporting are complete and accurate.

·         Flag emerging compliance or risk concerns to management and Credit Administration, providing clear documentation and recommended remediation steps.

Qualifications — Required

·         Bachelor's degree in Finance, Business, Real Estate, Accounting, or a related field.

·         3–5+ years of experience in commercial real estate lending, credit administration, loan operations, or a closely related banking function.

·         Working knowledge of CRE loan structures, covenant types, and collateral documentation requirements.

·         Demonstrated experience with covenant monitoring, portfolio reporting, or loan administration in a commercial banking environment.

·         Proficiency in nCino or a comparable loan origination and portfolio management system.

·         Strong understanding of bank credit policy and regulatory compliance requirements applicable to commercial real estate.

·         Excellent organizational skills with a demonstrated ability to manage high-volume, detail-intensive workloads accurately and on time.

·         Effective written and verbal communication skills, with experience coordinating across multiple internal teams.

·         Proficiency in Microsoft Office Suite, particularly Excel, for portfolio tracking and reporting.

Qualifications — Desired

·         Experience working directly with Relationship Managers in a portfolio support or credit administration capacity.

·         Familiarity with UCC filings, deed of trust/mortgage documentation, and collateral perfection requirements.

·         Prior exposure to internal audit, regulatory examination preparation, or credit review processes.

·         Experience with financial statement spreading, cash flow analysis, or credit memo preparation.

·         Knowledge of FNBO's internal systems, credit policies, and CRE lending practices.

·         Demonstrated ability to identify process inefficiencies and contribute to operational improvements.

Key Skills

·         Strong working knowledge of commercial real estate loan structures, covenant types, and monitoring requirements.

·         Ability to manage a high volume of covenant and documentation tracking items simultaneously with accuracy and discipline.

·         Experience identifying, escalating, and resolving covenant exceptions and past-due reporting items.

·         Familiarity with collateral documentation requirements, UCC filings, and security instrument management.

·         Solid understanding of commercial real estate credit fundamentals, including loan structures, collateral types, and risk rating frameworks.

·         Working knowledge of bank credit policy, regulatory compliance requirements, and audit standards applicable to CRE lending.

·         Ability to review loan documentation and portfolio data against policy requirements and identify exceptions.

·         Comfort engaging with Customers, Credit Administration on credit-related questions, system needs, and policy interpretation.

·         Proficiency in nCino or comparable loan origination and portfolio management systems.

·         Strong data management skills with the ability to identify discrepancies, validate inputs, and maintain system accuracy across a large portfolio.

·         Comfort working with reporting tools, spreadsheets, and portfolio tracking systems to monitor and communicate portfolio status.

·         Ability to learn and adapt to evolving technology platforms and internal system requirements.

·         Exceptional attention to detail with a track record of maintaining accuracy across complex, high-volume workloads.

·         Strong organizational skills with the ability to manage multiple priorities, deadlines, and open items simultaneously.

·         Disciplined follow-through on open items, escalations, and resolution tracking.

·         Commitment to maintaining complete, audit-ready documentation and records.

·         Effective communicator with the ability to work across multiple internal teams — Relationship Managers, Relationship Associates, , Operations, Credit Administration, and management — with clarity and professionalism.

·         Skilled at building productive working relationships and navigating cross-functional coordination.

·         Ability to communicate portfolio issues, exceptions, and status updates clearly and concisely to both technical and non-technical audiences.

·         Proactive and solutions-oriented approach to problem-solving and stakeholder engagement.

Competencies

·         Attention to detail and accuracy

·         Organizational discipline and follow-through

·         Credit and policy knowledge

·         Systems proficiency and data integrity

·         Cross-functional collaboration and communication

·         Proactive problem identification and resolution

·         Adaptability and continuous improvement

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

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