Job Description
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Who we are:
Shape a brighter financial future with us.
Together with our members we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives with our core values guiding us every step of the way. Join us to invest in yourself your career and the financial world.
We are seeking an experienced Senior Manager Secured Commercial Real Estate Lending to help lead SoFi Bank’s secured commercial real estate lending function. This role will oversee complex workflows across the commercial lending lifecycle including origination underwriting credit administration portfolio management servicing coordination and ongoing portfolio monitoring.
This leader will be responsible for driving day-to-day execution operational planning resourcing KPIs KRIs credit strategy implementation portfolio discipline and risk monitoring for the secured commercial real estate lending unit. The Senior Manager will partner closely with Credit Risk Operations Finance Legal Compliance Servicing and senior leadership to ensure the function operates with strong governance sound credit judgment scalable processes and clear accountability.
The ideal candidate is a seasoned commercial lending and credit leader with deep expertise in secured commercial real estate lending strong problem-solving skills and experience leading complex workflows across teams or business environments.
What you’ll do:Lead complex commercial lending workflows- Lead key workflows across the secured commercial real estate lending lifecycle including originations underwriting credit administration portfolio monitoring servicing handoffs and borrower management.
- Independently manage day-to-day operations planning prioritization and resourcing for the commercial real estate lending team.
- Support the execution of the strategic roadmap for the unit aligning team priorities with broader credit risk financial operational and regulatory objectives.
- Establish and manage KPIs KRIs operating routines reporting standards and portfolio performance expectations.
- Partner with senior leadership on decisions that may have long-range implications for credit strategy growth risk appetite and operational execution.
- Help develop implement and refine credit strategy for secured commercial real estate lending.
- Ensure lending activity is consistent with approved credit policy risk appetite regulatory expectations and business objectives.
- Monitor portfolio performance credit quality borrower trends collateral performance concentration risk and emerging risk indicators.
- Lead analysis and resolution of complex credit operational market and servicing issues that may impact the portfolio.
- Recommend changes to underwriting standards credit procedures approval workflows loan review routines and portfolio governance.
- Manage performance against business goals credit metrics risk indicators and profitability expectations.
- Build and maintain management reporting for production portfolio trends credit quality exceptions risk concentrations and operational performance.
- Lead process improvement initiatives to improve scalability efficiency control effectiveness and execution quality.
- Support audit regulatory loan review and internal governance activities by ensuring strong documentation controls and reporting practices.
- Partner with Finance and Risk to support forecasting loss expectations profitability analysis and broader portfolio strategy.
- Partner with Risk Operations Finance Legal Compliance Servicing Product and other stakeholders to support consistent execution and appropriate governance.
- Influence function-level decisions through partnership with senior leaders cross-functional teams and higher-level individual contributors.
- Collaborate with stakeholders to mitigate risk of operational delays costs resource constraints credit issues or servicing challenges.
- Prepare and present updates on business performance portfolio health risk trends key decisions and strategic initiatives.
- Escalate material credit operational compliance regulatory or servicing matters in a timely and effective manner.
- Lead and develop a team that may include associate managers supervisors credit professionals portfolio managers underwriters and individual contributors.
- Set clear expectations for performance accountability communication decision-making and stakeholder engagement.
- Coach team members to strengthen credit judgment execution discipline technical expertise and business ownership.
- Support appropriate team coverage workload management and continuity across the lending lifecycle.
- Foster a culture of strong credit discipline collaboration ownership risk awareness and continuous improvement.
- Deep experience in commercial real estate lending commercial credit portfolio management credit administration or related financial services disciplines.
- Strong understanding of secured commercial real estate lending including origination underwriting collateral analysis risk rating portfolio monitoring borrower management and servicing coordination.
- Ability to solve highly complex problems within commercial lending and credit that shape the direction of the function.
- Strong credit judgment and ability to take calculated risks while consulting senior leadership on decisions with long-range implications.
- Experience managing complex workflows operating routines resourcing and execution across teams or business environments.
- Strong understanding of bank credit policy risk appetite portfolio governance regulatory expectations audit readiness and control environments.
- Experience developing and managing KPIs KRIs credit quality metrics portfolio reporting concentration monitoring and management-level performance updates.
- Ability to identify emerging risks develop action plans and lead cross-functional teams through resolution.
- Strong communication skills including the ability to clearly explain complex credit risk operational and strategic matters.
- Proven ability to influence senior leaders business partners and cross-functional stakeholders to drive business results.
- Demonstrated experience leading teams through growth process improvement modernization or operational change.
- Strong discipline around documentation controls policy adherence governance and consistent execution.
- Bachelor’s degree and 12+ years of related experience in commercial real estate lending commercial credit banking risk management portfolio management or a related financial services discipline; or Master’s degree and 10+ years of related experience.
- Significant experience leading commercial real estate credit lending portfolio management or credit administration functions preferably within a regulated bank or financial institution.
- Experience leading multiple complex workflows across teams or business environments.
- Experience managing credit strategy execution portfolio performance underwriting standards credit policy risk indicators business metrics and portfolio governance.
- Experience leading both origination-facing and portfolio management or servicing-adjacent workflows across the commercial lending lifecycle.
- Experience managing day-to-day operations planning execution prioritization and resourcing for a team or function.
- Experience leading teams developing talent and managing associate managers supervisors or individual contributors.
- Familiarity with bank regulatory expectations CECL credit loss forecasting regulatory exams internal audits loan review or enterprise risk management.
- Experience modernizing credit policies underwriting standards operating procedures reporting frameworks controls or governance routines.
- Experience preparing senior management audit regulatory or portfolio performance reporting.
- Experience supporting or managing commercial real estate lending through periods of growth market stress operational change or business transformation.
Skills Required
- Bachelor's degree and 12+ years related experience or Master's degree and 10+ years
- Significant experience leading commercial real estate credit lending portfolio management or credit administration functions (preferably at a regulated bank)
- Experience managing multiple complex workflows across teams and business environments (origination underwriting servicing portfolio management)
- Experience executing credit strategy underwriting standards credit policy portfolio governance and monitoring credit quality/concentrations
- Experience leading teams developing talent and managing associate managers supervisors or individual contributors
- Familiarity with bank regulatory expectations CECL credit loss forecasting regulatory exams internal audits and loan review
- Experience modernizing credit policies operating procedures reporting frameworks controls or governance routines
- Experience preparing senior management audit regulatory or portfolio performance reporting
- Experience supporting or managing commercial real estate lending through periods of growth market stress or operational change
What the Team is Saying
SoFi Compensation & Benefits Highlights
- Healthcare Strength—Comprehensive medical dental and vision plans are paired with mental-health coaching/therapy EAP access and wellness programs with options noted for low or fully covered premiums. Company-paid life and disability insurance further strengthen core protection.
- Parental & Family Support—Up to 12 weeks fully paid parental leave is complemented by fertility/adoption resources subsidized back-up child/elder care caregiver leave and pet insurance. A 2026 program also matches a new federal $1000 seed for eligible children’s investment accounts.
- Leave & Time Off Breadth—Exempt employees have flexible/unlimited vacation alongside early-release “SoFi Fridays” while non-exempt employees receive generous vacation and sick time. Paid volunteer time and role-appropriate leave options extend time-away coverage.
SoFi Insights
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete but can come together to create something truly unconventional in the world. For the last eight years we’ve been charting this new path forward. We call it The SoFi Way. At SoFi we don’t just talk about culture: we live it. The SoFi Way is how we show up every day how we make decisions and how we build for our members clients and each other.
Why Work With Us
Together with our members we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
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Date Posted
07/10/2026
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