Director - Commerical Real Estate Lending

• Originate and evaluate prospective commercial real estate lending opportunities by analyzing property cash flows, rent rolls, markets, property types, requested loan terms and all other information available.
• Work with bank clients on all levels of relationship and origination
• Assist in the Underwriting of real estate deals and preparation of financial models.
• Present an analysis of cash flows, financial ratios, key market trends etc.
• Prepare real estate credit applications for new loans as well as for renewals and modifications. This includes financial and risk analysis, tenant analysis, repayment sources, collateral, financial & reporting covenants and sponsor summary.
• Conduct site inspections on real estate properties to ensure property is well maintained, identify any functionally obsolete space, and is operated in accordance with industry practice.
• Review loan documentation for consistency and accuracy of credit application documents. Review third party reports including appraisals, property condition reports, environmental site assessment reports etc.
• Present investment recommendations to the Credit Committee
• Assist in Management of commercial real estate mortgage loan portfolio, the production of commercial real estate mortgages and additional business plan objectives.
• Loan Syndication experience is a plus 

DIVISION DESCRIPTION: 
Global Banking and Advisory (GLBA) combines recognized wholesale coverage with world-class product, financing, and advisory expertise within one team, enabling us to best support our clients. On the one hand, our transversal, product-neutral coverage teams span all businesses to promote the bank's products and services to our clients globally, and on the other, we provide world-class capital raising, financing and advisory expertise.

SKILLS AND QUALIFICATIONS:

Must Have:

• Commercial real estate balance sheet lending
• Loan portfolio management
• 8-10+ years of experience
• Bachelor’s degree
• Strong Excel skills
• Language(s) English

Nice to Have:

• Argus modeling skills 

OUR CULTURE: 
At Societe Generale, we live by our 4 core values of commitment, responsibility, team spirit and innovation. We are engaged and demonstrate consideration for others. We act ethically and with courage. We focus our talent and energy on collective success. We experiment and propose new ideas. This way, we maximize our ability to serve client needs and anticipate market changes. Societe Generale is committed to strengthening bonds with colleagues, communities, and the world in which we live, because relationships are at the heart of how we operate.
For more information about our Culture and Conduct initiatives, please visit this link (https://americas.societegenerale.com/en/careers/get-know-culture/)

D&I: 
Our Diversity & Inclusion Mission: Recruit, develop, advance, and retain a diverse workforce that is united in our efforts to enhance our competitive position and deliver innovative solutions to our clients.

Our Diversity & Inclusion Vision: 
•     Engaged workforce that is demographically diverse in a way that reflects the communities in which we operate
•     Inclusive culture and workplace that recognizes employees' unique needs and utilizes their diverse talents 
•     Engage our community and marketplace, and position the organization to meet the needs of all its clients

For more information about our D&I initiatives, please visit this link (https://americas.societegenerale.com/en/societe-generale-about/diversity-and-inclusion/)

HYBRID WORK ENVIRONMENT:
Societe Generale offers a hybrid work arrangement that offers employees the flexibility to work remotely, as well as on-site, in order to promote interaction and collaboration with colleagues while adhering to all SG standard protocols.  Hybrid work arrangements vary based on business area.  The applicable Business lines will determine and communicate the work arrangements that best meet their business needs.

COMPENSATION & SALARY RANGE:

Base salary range does not include overtime pay, bonus and/or other benefits, where applicable. Actual base salary offer will vary based on skills and experience. The role is eligible for an annual discretionary bonus and includes a competitive benefits package including 401(k) plan with company match, Medical/Dental/Vision, and other benefits for fertility, wellness, student loans and commuters.