Senior Manager, Secured Commercial Real Estate Lending

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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.

Drive credit

strategy execution, risk management, and portfolio oversight​

• 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.

Own

operating discipline and performance management​

• 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 cross-functionally to drive execution​

• 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 the

team​

• 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.

• 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.

Qualifications:​

• 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.

Compensation and

Benefits​

The base pay range for this role is listed below. Final base pay offer will be

determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits,

visit our Benefits

at SoFi ​page!

SoFi provides equal

employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including

religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and

conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over),

physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic

information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.​ The Company hires the best qualified candidate for the job, without

regard to protected characteristics.​ Pursuant to the

San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction

records.​ New York applicants: Notice of Employee Rights​ SoFi is committed to an inclusive culture. As part of this commitment,

SoFi offers reasonable accommodations to candidates

with physical or mental disabilities. If you need accommodations to participate in the job application or interview process,

please let your recruiter know or email accommodations@sofi.com.​ Due to insurance

coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.​ Internal Employees​

If you are a current employee, do not

apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.