Commercial Relationship Officer

Banco Popular•Miami Lakes, FL

About The Position

Popular is seeking a seasoned commercial lender with a transportable book of business to join its Commercial Banking team in Middle Market South Florida. The officer will generate business relationships and develop and maintain credit and non-credit relationships with commercial customers, corporate accounts, and prospective customers, delivering quality service in support of the bank’s growth, profitability, and customer satisfaction goals. The role involves developing and managing a commercial customer portfolio with a strong emphasis on both deposits and loans. The officer regularly meets with clients and prospects, assesses their financial structures, and recommends suitable products and services. The position also includes analyzing commercial credit requests, preparing loan and client-call reports, monitoring accounts and loan activity, and building trusted client relationships by identifying needs and explaining relevant bank offerings.

Requirements

High school diploma or equivalent.
At least 7 years of experience in commercial credit.
An established portfolio of commercial customers.
Effective sales ability and persuasiveness.
Must be authorized to work for any employer in the United States; visa sponsorship or transfer of visa sponsorship is not available.

Nice To Haves

Bachelor’s degree in Business or a related field.

Responsibilities

Develop a commercial customer portfolio and manage relationships within that portfolio, with a strong emphasis on deposits as well as loans.
Meet regularly with existing and prospective clients, interview them, analyze their financial structures, and recommend applicable products or services.
Prepare loan reports for review and approval by immediate supervisors and prepare written reports on calls to existing and prospective accounts.
Analyze financial statements, revise collateral, and process commercial loan applications.
Make recommendations regarding credit requests and refer them to the immediate supervisor.
Follow up on assigned commercial accounts that are overdrawn and refer them to the supervisor for final approval.
Review and analyze commercial loan reports, direct liability, non-performing loans, new loans, and payments.
Build effective relationships and trust with clients and prospects by listening to and uncovering their needs and educating them about appropriate bank products and services.