Associate Credit Portfolio Management (Consents/Surveillance/Workouts)

Overview: 

Founded in 1988, Trimont (www.trimont.com) is a specialized global commercial real estate loan services provider and partner for lenders and investors seeking the infrastructure and capabilities needed to help them scale their business and make informed, effective decisions related to the deployment, management and administration of commercial real estate secured credit. As the largest master servicer of commercial real estate loans in the United States, Trimont manages securitizations with meticulous oversight and coordination—protecting cash flows, mitigating risk, and ensuring portfolio performance. 

We do this with a team of 1100+ extraordinary team members who serve a global client base from offices in Atlanta (headquarters), Bengaluru, Charlotte, Dallas, Hyderabad, Kansas City, London, New York and Sydney. We empower our people with advanced technology, industry-leading knowledge, and a culture centered on our core values. This approach enables our teams to deliver exceptional client service, build lasting relationships and take pride in the high-quality work they perform. 

Trimont is an innovative firm where visionary professionals come to learn, grow, and thrive with colleagues driven by curiosity and collaboration. 

Learn: We believe ongoing learning is critical and are focused on providing a work environment where all team members can take ownership of their careers. 

Grow: We work alongside the largest institutional lenders in the world, overseeing the most significant projects in the industry. This unique opportunity allows us to broaden our skillset and develop our abilities by tackling some of the industry's most challenging and exciting endeavors. 

Thrive: Our firm is a place where ethics and excellence meet to create an experience that matches our capabilities. There are no limits to what we as team members and as an organization, can achieve together. 

Where people, purpose, and progress come together every day. 

Job Summary:

The Associate is tasked with the critical role of maintaining the Enhanced Surveillance program and maintaining Real Insight data. This position is essential for delivering accurate and updated reporting to internal and external partners based on our contractual obligations under each individual servicing agreement.

Responsibilities:

• Support the execution of Consents, Enhanced Surveillance Analysis, Workouts, and portfolio management activities where Trimont serves as Special Servicer.
• Review monthly Commercial Real Estate Finance Council (CREFC) trustee reports uploaded to Real Insight (RI), including Periodic, Property, Financial, Bond, and Supplemental files.
• Monitor deal flow and ensure the accuracy and integrity of the RI database for both “active” and “watchlist” assets.
• Ensure all consent requests are acknowledged, accurately recorded, reported in the servicing system, and processed in a timely manner.
• Set up new deals in the database and complex spreadsheets, ensuring all relevant data is captured for ongoing management.
• Review reports for accuracy and leverage them to identify potential issues on individual loans, collaborating with the Asset Manager on the Master Servicing Team to enhance reporting value for both internal and external stakeholders.
• Conduct independent assessments of situations, requests, loans, and properties by analyzing requests, reports, identified triggers, external resources, and through collaboration with the Master Servicer. This includes:
  • Reviewing annual operating budgets and actual operating statements at both the loan and property level, and performing financial analysis.
  • Analyzing rent rolls to assess future lease rollover exposure.
  • Reviewing Asset Status Reports.
  • Evaluating historical loan-level compliance.
  • Interpreting third-party reports.
  • Analyzing Master Servicer Sites and Q&A Logs.
  • Reviewing commercial loan trigger events, such as lockbox and reserve springing impounds, deferred property maintenance, FF&E triggers, tenant credit ratings, and occupancy ratios. Conduct necessary follow-ups to understand deal impact and the status of resolution efforts.
  • Performing market research and due diligence on underlying collateral.
• Support the development of resolution strategies, processing of consent requests, and acquisition of in-depth knowledge of assets requiring additional attention. Contribute to Deal Reviews, Watchlist, Consent, and Ad-Hoc Reporting, resulting in more meaningful Watchlist commentary, risk rating assessments, and early identification of potential issues to enable proactive and informed action planning.

Required Qualifications:

• Bachelor's degree in Real Estate, Business, Finance, Accounting, or a related field.
• 2+ years of experience in Commercial Banking Portfolio Management, or equivalent experience demonstrated through work experience, training, military service, or education.
• Strong analytical and problem-solving skills, with the ability to interpret complex loan documents and identify critical triggers.
• Effective communication and collaboration skills to work with internal teams and external partners.
• Consistently produces accurate and thorough work, with the capacity to manage competing priorities in a dynamic environment.
• Understanding of commercial banking processes and regulatory compliance.

Trimont is an equal opportunity employer, and we’re proud to support and celebrate diversity in the workplace. If you have a disability and need an accommodation or assistance with the application process and/or using our website, please contact us. We are proud to maintain a drug-free policy, ensuring that our community is a secure and productive space for all our team members.