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Job Description Summary

Job Summary

Operating under general supervision, and with a high level of autonomy, this role uses knowledge and skills obtained through education, training and / or prior experience to assist with both the underwriting of new Commercial Real Estate (“CRE”) transactions, as well as monitoring an active portfolio of existing CRE loans.

This role resides at Raymond James Bank, a wholly owned subsidiary of Raymond James Financial (NYSE: RJF / Fortune 400), within the Corporate & Real Estate Banking Division. Herein, the CRE Business Unit includes primary offices in St. Petersburg, FL and NYC, with an additional footprint in San Francisco, CA.

Specifically, the position will be located at Raymond James Bank’s Home Office in St. Petersburg, FL, where you’ll work alongside a seasoned team of CRE professionals, including both Banking Officers and other Credit Associates. The CRE Business Unit focuses on institutional-quality lending, including syndicated loan arrangements (secured by both Project Secured Loans and facilities to Real Estate Investment Trusts “REITs”), as well as direct lending to RJF clients.

We are looking for individuals who are passionate about modeling CRE cash flows and assessing risk across a range of institutional CRE asset types - retail, industrial, multifamily, hospitality, senior housing, student housing, data centers, and self-storage assets, REITs, and more!

Above all we value individuals who are enthusiastic, hardworking, eager to learn / help others learn - and can strive in a team-oriented environment.

Job Description

Essential Duties and Responsibilities

+ Assists with the development, structure, negotiation and closing of CRE transactions secured by high quality assets throughout the United States.

+ Oversees a dedicated portfolio of assigned CRE loans, monitoring loan grading and credit quality on regular basis

+ Researches and analyzes financial statements, interprets findings, and prepares various reports for senior management and credit.

+ Prepares detailed Cash Flow projections at both the REIT and project level utilizing Excel and third-party modeling software (i.e., Argus).

+ Performs demand analysis and market research to evaluate new loan transaction opportunities, utilizing third party diligence tools, etc.

+ Prepares and delivers written and oral presentations relating to CRE transactions.

+ Maintains accurate and organized documentation and monitors compliance with terms of loans and accounts

+ Prepares report evaluations ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.

+ Coaches and mentors new associates within the department.

+ Joins in deal discussions as is related to potential syndicated and direct loan opportunities.

Knowledge, Skills, and Abilities

Knowledge of

+ Advanced concepts, practices and procedures of CRE credit analysis.

+ Finance and/or accounting principles, practices and procedures

+ Federal and State laws.

Skill in

+ Preparing complex financial position and credit reports.

+ Reading, interpreting, analyzing and applying information from credit reports, P&L / BS statements, rent rolls, appraisals, construction.

+ Researching, interpreting and analyzing complex financial statements.

+ Structuring, negotiating, underwriting and closing loan transactions.

+ Generating Cash Flow projection

+ Maintaining documentation files.

+ Monitoring compliance on loans and accounts.

+ Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.

+ Preparing and delivering oral and written presentations

+ Performing market and transaction due diligence.

+ Operating standard office equipment and using required software applications.

+ Excel modeling and computation.

Ability to

+ Maintain currency in credit analysis policies, procedures and methodologies.

+ Manage multiple tasks with changing priorities to meet deadlines in a fast-paced environment with frequent interruptions.

+ Lead the work of others.

+ Provide coaching, mentoring and technical training to others.

+ Partner with others to accomplish objectives.

+ Manage relationships with clients.

+ Attend to detail while maintaining a big picture orientation.

+ Interpret and apply policies.

+ Lead others in providing a high level of customer service

+ Establish and maintain effective working relationships with others.

+ Provide support on calls with syndication partners.

+ Solve complex problems.

***ACAMS not required***

Education

Bachelor’s: Business Administration, Bachelor’s: Economics, Bachelor’s: Finance

Work Experience

General Experience - 3 to 6 years

Certifications

Certified Anti-Money Laundering Specialist (ACAMS) - Association of Certified Anti-Money Laundering Specialists (ACAMS)

Travel

Less than 25%

Workstyle

Hybrid

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same

• Work with and through others to achieve desired outcomes

• Make prompt, pragmatic choices and act with the client in mind

• Take ownership and hold themselves and others accountable for delivering results that matter

• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

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