Sr. Investment Officer CML Production

Job Posting End Date: January 15

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: 

• Award-winning culture 

• Inclusion and diversity as a priority 

• Performance Based Incentive Plans

• Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability 

• Generous PTO (including paid time to volunteer!) 

• Up to 9.5% 401(k) employer contribution 

• Mental health support 

• Career advancement opportunities 

• Student loan repayment options 

• Tuition reimbursement

• Flexible work environments 

*All the benefits listed above are subject to the terms of their individual Plans.

And that’s just the beginning…  

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! 

General Summary:

General Summary
This position is responsible for production of commercial mortgage loan investments, including origination and underwriting, on a national basis with specific coverage territories as agreed upon with the VP. The incumbent will work closely with legal and other team members, both in terms of underwriting new transactions and monitoring transactions within their portfolio in conjunction with the asset management function. There are no direct reports associated with this position at present, but from time to time this role might include one or more direct reports in the form of a more junior level loan officer and/or analyst; as such, this position could entail helping to train, develop, and mentor such individual(s).

Principal Duties and Responsibilities

• Generate, analyze, negotiate, structure, and commit commercial mortgage loans
• Conduct detailed analysis and underwriting of potential mortgage transactions, specifically including underwriting of the real estate, income/expense stream, borrowing entity, and regional economic and market indicators.
• Negotiate pricing to adequately cover the risk, while maximizing the spread
• Develop and maintain deep network of correspondents and brokers.
• Develop and maintain in-depth understanding of real estate market conditions, financial markets and trends as they relate to commercial mortgage loans.
• Contribute information and analysis to aid portfolio timing and strategy relative to commercial mortgage investments.
• Work with team members to assure data integrity in system on new deals
• Prepare written analysis of proposed investments for review with management and present to Private Asset Committee.
• Work with internal and external legal counsel on the structure of proposed and committed transactions, terms of loan documents and closing requirements.
• Perform regional asset management for existing investments, including inspections, evaluations and review of risk ratings.
• Work with AVP and team to monitor and manage loan portfolio and make recommendations with respect to modifications or amendment requests.

Job Specifications

• BA in business, real estate, finance, economics, or related field required. Advanced degree or certification in related field, such as MBA, CFA, CPA, or JD preferred
• 10 years minimum work experience in commercial mortgage lending; solid knowledge of real estate finance, valuation and credit analysis, as well as real estate documentation

• Computer skills, including Word, Excel; ability to learn new software
• Strong negotiation skills
• Ability to work independently within a team-oriented environment
• Ability to travel regularly to meet with borrowers and review real estate

• Solid written and verbal communication skills

#LI-AF1

~IN1

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.

$109,100.00-$224,000.00

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not.  All benefits are subject to the terms and conditions of individual Plans.

Company:

Unum