Senior Investment Officer

At Unum, we’re in the business of helping people through difficult times in their lives. Our financial protection benefits provide individuals and their families with the financial security they need to better cope with the loss of a loved one or the inability to work due to illness or injury.

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).

* 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 effective acquisition/distribution 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 presentation to Private Asset Approval 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 VP, Managing Director – Commercial Mortgage Loans and team to provide assistance in monitoring/managing loan portfolio and to make recommendations with respect to modifications or amendment requests.

* 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 * Meets the standards for this position, as defined in the Talent Management framework