Commercial Banker II
About The Position
The Commercial Banker is responsible for generating and maintaining a portfolio of commercial loan and deposit relationships and providing client service, cross-sales, and retention for inherited and acquired bank relationships. The role originates, services, and grows commercial banking relationships and meets individual goals through direct prospecting, relationship development, and use of the commercial banking structured sales process. The banker develops knowledge of local operating companies with $15–$100 million in revenue in designated industries, maintains a researched list of market prospects, and regularly contacts prospective clients. The role manages inherited and originated credit and depository relationships with a focus on exceptional service, proactive portfolio management, and credit quality. It includes screening credit opportunities, preparing submissions and pre-screen memorandums, proposing credit and non-credit products, and identifying client needs through planned calls and needs-based discussions. The position works with credit and portfolio partners to manage credit relationships, renewals, annual reviews, and early identification and escalation of credit concerns. It requires knowledge of BankUnited credit policies and products, achievement of calling objectives, accurate use of contact-management and sales-tracking systems, participation in meetings and training, collaboration with internal partners, and compliance with applicable laws, regulations, and bank policies, including anti-money-laundering requirements.
Requirements
- Bachelor’s degree or an equivalent combination of education and experience.
- 4–6 years of experience in Business Banking and/or Commercial Banking.
- Consistent above-average sales skills and results relative to goals.
- Expert-level knowledge and implementation of sound credit risk and portfolio management skills.
Nice To Haves
- Licensed Real Estate Agent preferred.
- Notary License preferred.
- Candidates residing within BankUnited’s footprint may be given preference.
Responsibilities
- Originate, service, and grow a portfolio of commercial credit and non-credit relationships.
- Meet and exceed individual goals by adopting the commercial banking structured sales process, including prospecting, managing a prospect portfolio, developing centers of influence, networking, and building internal relationships.
- Develop knowledge of local operating companies with $15–$100 million in revenue in designated industries and maintain an active prospecting cadence for researched market targets.
- Manage inherited and originated credit and deposit relationships, providing exceptional client service and proactively managing credit quality.
- Identify and screen viable credit opportunities and submit complete credit packages or pre-screen memorandums through the appropriate processes.
- Prepare and deliver credit and non-credit product proposals using pre-call planning, joint calling, needs-based discussions, objection handling, and problem solving.
- Work with Credit partners, Portfolio Managers, and Portfolio Administrators to manage the credit portfolio proactively.
- Manage renewals before maturity, complete annual reviews on time, identify problems early, and escalate deteriorating credit trends to management and credit administration.
- Maintain knowledge of BankUnited credit policies and credit and non-credit products.
- Achieve calling objectives for clients and prospective clients.
- Use bank contact-management and sales-tracking systems and standard bank templates to maintain prospect information and records.
- Attend and actively participate in division meetings and ongoing training.
- Collaborate with internal business partners to increase cross-sale penetration of client relationships.
- Work with teammates and bank partners to improve performance across the organization.
- Comply with applicable federal and state laws, regulations, guidance, bank policies, and procedures, including anti-money-laundering requirements.
- Complete required training and identify and report suspicious activity.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
