Associate Director, Commercial Mortgage and Real Estate Portfolio Management

Lincoln Financial

. Perform in-depth reviews of property operating statements and identify positive and/or negative trends .

Posted 9/15/2026full-timeCharlotte • North Carolina • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial real estate finance, including the ability to analyze financial statements and market trends. Proficient in managing loan covenants and ensuring compliance while effectively communicating complex concepts to senior management.

Highest-signal resume keywords

Commercial Real Estate FinanceFinancial Statement AnalysisLoan Document ComplianceMarket Trend AnalysisMicrosoft Excel Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisLoan Document ComplianceValuation MethodsDiscounting Cash FlowsCapitalization RatesInternal Rate of ReturnReturn on InvestmentPortfolio AnalyticsCommercial Real Estate PrinciplesData Integrity Management

Soft Skills

Attention to DetailEffective CommunicationProcess Improvement IdentificationCollaboration

Tools & Technologies

Microsoft ExcelMicrosoft PowerPointCoStarArgus

Industry Keywords

Commercial Real EstateLoan CovenantsMarket FundamentalsOccupancy RatesRental RatesCapital Market TrendsSurveillance LoansBorrower Business PlansProperty InspectionsReal Estate Private Equity

About the role

Key responsibilities & impact

Perform in-depth reviews of property operating statements and identify positive and/or negative trends
Monitor complex loan structures and borrower business plans, reporting to senior management quarterly and/or ad hoc
Manage loan covenants and triggers with internal and external partners, ensuring compliance with loan documents
Support active management of troubled, watch, and surveillance loans monthly or quarterly
Ensure data integrity at property and loan level for portfolio analytics and reporting
Identify and communicate process improvements to senior management
Liaise with servicing and production teams to analyze underwriting-related servicing requests, including special servicing requests, lease approvals, collateral releases, substitutions, and sale and assumptions
Make written and verbal approval recommendations to senior management
Maintain knowledge of market fundamentals such as rental rates, occupancy, capital market trends, and transaction activity for assigned geographic areas
Stay apprised of market headlines affecting commercial real estate for reporting and analytics
Travel domestically for property inspections and conference events as needed
May provide portfolio management support to the real estate private equity team
Collaborate across departments within the commercial real estate and overall investment team

Requirements

What you’ll need

4 Year/Bachelor’s degree or equivalent work experience (4 years of experience in lieu of Bachelor’s) – minimum required in Finance, Business Administration, or similar field
3-5+ years’ experience required in commercial real estate finance and/or commercial real estate investment and analysis aligned with the position responsibilities
Knowledge of commercial real estate principles and valuation methods
Knowledge of national commercial real estate markets and macro-economic trends affecting those markets
Ability to understand and evaluate real estate financial statements, including operating statements, balance sheets, and rent rolls
Knowledge of real estate legal concepts and strong understanding of loan documents
Ability to understand and apply financial concepts including discounting cash flows, capitalization rates, internal rate of returns, and return on investment
Proficiency with Microsoft Excel and PowerPoint
Experience with CoStar and Argus preferred
Strong attention to detail and ability to clearly and effectively communicate complex loan and property operational concepts to senior management, in writing and verbally
Ability to travel 10% intermittently

Benefits

Comp & perks

Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
Leadership development and virtual training opportunities
PTO/parental leave
Competitive 401K and employee benefits
Free financial counseling, health coaching and employee assistance program
Tuition assistance program
Work arrangements that work for you
Effective productivity/technology tools and training