Commercial Real Estate Relationship Manager
About the job
- 3–5 years of commercial banking experience, with strong credit judgment, business development discipline, and demonstrated ability to grow and manage a profitable commercial real estate portfolio.
- Expertise in commercial real estate lending, including construction, bridge, and permanent financing, and the ability to evaluate project feasibility, borrower capacity, repayment sources, collateral, and risk-adjusted pricing.
- Demonstrated success generating new client relationships, expanding existing relationships, and cross-selling deposits, treasury management, and other bank solutions.
- Portfolio management capabilities, including loan grading, covenant monitoring, exception resolution, credit presentation, and proactive risk identification.
- A bachelor's degree in finance, accounting, or business, or equivalent related experience.
- Strong executive presence, communication skills, community engagement, and ability to partner across credit, treasury management, retail, wealth, and other business partners.
- Proficiency with current banking technology, Microsoft Office applications, financial spreading tools, CRM systems such as Salesforce, and credit workflow platforms such as nCino.
- Develop, manage, and grow a commercial real estate portfolio focused on construction, bridge, and permanent loans while executing a clear plan for relationship expansion and profitability.
- Serve as the primary relationship owner for commercial real estate clients by delivering trusted financial guidance, anticipating client needs, and coordinating solutions across the bank.
- Generate new prospects and convert new clients through targeted calling, market visibility, referral development, and active participation in business and community organizations.
- Expand relationship profitability by cross-selling compensating deposit balances, treasury management services, and other bank solutions in partnership with internal business lines.
- Understand each customer's business model, real estate strategy, borrowing needs, repayment capacity, and long-term plans to structure appropriate credit solutions.
- Structure, negotiate, and recommend credit terms within loan policy, including interest rate, repayment structure, collateral requirements, covenant expectations, and risk-adjusted pricing.
- Prepare initial analysis, deal screens, and term sheets; submit loan requests for underwriting, approval, and presentation while ensuring complete, accurate, and timely credit information.
- Actively manage portfolio risk through ongoing monitoring, loan grading, timely renewal activity, exception management, and early identification of credit concerns.
- Maintain accountability for compliance with applicable laws, regulations, bank policies, and the company code of conduct.
- Perform other duties as assigned.
- Formal commercial real estate financial analysis training.
About the company
Univest offers banking, lending, wealth management and advisory services to individuals, businesses, municipalities and nonprofits in the Mid-Atlantic. Customers deposit funds, borrow money, and receive financial planning and investment guidance; wealth management combines investment management, trust services and planning, while banking handles everyday accounts and financing. It differentiates itself through a regional focus and active community involvement, aiming to build loyal relationships with customers and employees while earning a fair profit for shareholders. Its goal is to be a strong, influential leader in the markets it serves by delivering comprehensive financial solutions and staying engaged with the communities it serves.
Company Size
501-1,000
Company Stage
IPO
Headquarters
Souderton, Pennsylvania
Founded
1876
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Simplify's Take
What believers are saying
- Q2 2026 net income reached $23.0 million while net interest margin rose to 3.49%.
- Deposits grew $119.2 million sequentially in Q2 2026, funding loan growth cheaply.
- Management raised the quarterly dividend to $0.23 and kept buying back shares.
What critics are saying
- A $5.2 million OREO charge in Q2 2026 exposed stale property risk.
- Director Michael Turner sold 8,000 shares on August 13, 2026, signaling caution.
- If credit deteriorates further, small-bank spread gains vanish behind localized commercial losses.
What makes Univest unique
- Univest combines banking, insurance, investments, and equipment financing under one regional platform.
- Its Q1 2026 efficiency ratio improved 190 basis points after technology investments.
- Commercial lending and fee businesses offset reliance on spread income.
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Benefits
Health Insurance
401(k) Company Match
Paid Vacation
Disability Insurance
Paid Holidays
Life Insurance
Tuition Reimbursement
Wellness Program
Professional Development Budget
Training Programs
Hybrid Work Options
Company News
Univest Financial Corporation reported second-quarter net income of $23.0 million, or $0.82 per diluted share, compared to $20.0 million, or $0.69 per share, in the same period last year. The results included a $5.2 million pre-tax charge related to a valuation adjustment on a real estate property, reducing earnings by $0.15 per share. This was partially offset by $708,000 in tax-free bank-owned life insurance death benefit proceeds. Gross loans and leases grew $101.7 million, or 1.5%, from the previous quarter, driven by commercial and real estate lending. Total deposits increased $119.2 million, or 1.8%, during the same period. Net interest income rose to $66.2 million, up 11.3% year-over-year, whilst net interest margin improved to 3.49% from 3.20% a year earlier. The company declared a quarterly dividend of $0.23 per share.
Natalye Paquin, director of Univest Financial Corporation, sold 13,000 shares of common stock in an open-market transaction on 27 April 2026 for approximately $491,000, according to an SEC Form 4 filing. The sale represented 43% of her directly held common stock position. Following the transaction, Paquin retains roughly 17,004 shares valued at approximately $641,560. This marks her only open-market sale during the reported period, with prior activity consisting exclusively of purchases and administrative adjustments. The sale followed Univest Financial's first-quarter results released on 22 April, which showed net income of $27.1 million and diluted earnings per share of $0.96, a 21% increase over the prior year. The stock gained over 8% in April.
Univest reported first-quarter 2026 net income of $27.1 million, or $0.96 per share, representing a 24.7% increase in earnings per share compared to the first quarter of 2025. Return on average assets improved to 1.33% for the quarter. The company's loan-to-deposit ratio decreased 280 basis points year-over-year, whilst the efficiency ratio declined 190 basis points, demonstrating improved operating leverage from recent technology investments. Net interest margin expanded 23 basis points to 3.33%. Credit quality remained strong, with non-performing loans representing 0.25% of total loans and net charge-offs totalling seven basis points annualised. Non-interest income increased 11% year-over-year when excluding bank-owned life insurance death benefits, driven by strength in investment advisory, insurance and fee income. Univest rewarded shareholders by increasing its quarterly dividend 4.5% to $0.23 per share and repurchasing 351,138 shares during the quarter.
Eightco Holdings Inc. increased its at-the-market offering from $2 million to $2.75 million in 2024 to fund operational growth, according to SEC filings. The company works with Univest Securities under Form S-3 registration requirements. The firm eliminated $5.4 million in convertible notes, increased shareholder equity by $23 million, and cancelled 5.9 million dilutive shares. Gross profit margin rose to 22% from 12%, though overall revenue declined nearly 3%. Eightco regained NASDAQ compliance after maintaining a closing bid price above $1 for 20 consecutive days. The company executed a reverse stock split, reducing outstanding shares from 8.9 million to 1.75 million. Through subsidiary Forever 8 Fund LLC, it plans strategic acquisitions in e-commerce technology, targeting $100 million revenue and positive EBITDA by 2025.
Semnox, Univest Capital launch 0% interest program. Semnox Solutions and Univest Capital have teamed to offer a promotional financing program designed to "help family entertainment centers invest in modern guest-facing technology without the burden of upfront capital." Through this limited-time initiative, the companies report that qualified operators can take advantage of 0% interest financing for 12 months with no money down, with the first payment due a month from signing. "This offer allows venues to implement Semnox card systems and operational technology while preserving cash flow during a year of heavy reinvestment and expansion planning," the company said. "This program is about removing hesitation from the decision-making process," said Phil Showler, the FEC head of sales for North America at Semnox. "Most operators know when updates are needed, but timing and budget often slow progress. This gives them an option to move forward without putting everything on hold, which is critical as guest expectations continue to rise."