Corporate Banking Associate

City National Bank of Florida•Coral Gables, FL

About The Position

The Corporate Banker Associate, in partnership with the Corporate Banking Executive, Directors, and Relationship Managers, supports the growth and management of corporate banking relationships while building foundational expertise across relationship management, business development, credit, portfolio management, and risk assessment. This role is designed to provide broad exposure to the Corporate Banking line of business, allowing the incumbent to gain a comprehensive understanding of how the organization drives profitable growth, maintains asset quality, manages risk, and delivers value to clients. The Associate will work closely with the Corporate Banking Executive and Directors on foundational strategic initiatives, business planning activities, portfolio analyses, market development efforts, and key line-of-business priorities. Through this exposure, the incumbent will develop an understanding of the drivers of revenue generation, relationship profitability, credit performance, deposit growth, and overall business execution. The role is also responsible for identifying client and prospect opportunities that support relationship expansion and new business development efforts across the Corporate Banking platform. Working alongside bankers and market leaders, the Associate will proactively research target industries, identify lead generation opportunities, support calling plans, and contribute to market growth strategies. In addition, the Associate assists with client engagement, credit analysis, portfolio management, risk identification, collateral monitoring, covenant compliance, and ongoing portfolio reviews. As an individual contributor within a sales-oriented environment, the incumbent exercises sound judgment within established authority levels while adhering to the Bank's credit, risk management, and compliance standards. Successful performance during the first year will position the Associate for formal commercial credit training and a development path toward a Corporate Banker role. The program is intended to build the analytical, business development, and relationship management capabilities necessary to become a trusted advisor to clients and a future leader within the Corporate Banking organization.

Requirements

2-4 years in a Corporate/Commercial banking or financial services role, with a proven track record in client relationship management and business development.
Knowledge of Corporate real estate banking, Corporate lending, credit analysis, portfolio management, and risk management principles.
Knowledge of CRE financial concepts, including cash flow analysis, net operating income, debt service coverage, collateral valuation, and market conditions.
Knowledge of Corporate banking products and services, including loans, deposits, treasury management, and related banking solutions.
Knowledge of banking regulations, credit policies, compliance requirements, and risk management practices applicable to Corporate lending.
Skilled in analyzing complex financial and credit information to assess creditworthiness, identify opportunities, and make informed recommendations that impact lending decisions.
Skilled in business development, relationship management, prospecting, and networking activities that support portfolio growth and client retention.
Skilled in preparing and presenting credit, financial, and relationship recommendations to senior bankers, clients, and internal stakeholders.
Skilled in verbal and written communication, including participating in meetings with senior bankers, clients, prospects, and business partners.
Ability to exercise sound judgment and discretion when evaluating financial and credit information and making recommendations within established authority.
Ability to build and maintain effective relationships with clients, prospects, senior bankers, and internal partners.
Ability to identify business opportunities, portfolio risks, client needs, and appropriate banking solutions.
Ability to effectively participate in client and prospect meetings, communicate recommendations, and represent the Bank in relationship management and business development activities.
Ability to work independently while managing multiple priorities, projects, deadlines, and portfolio-related responsibilities.
Must have knowledge of AI and be an professionally proficient user of AI platforms.

Nice To Haves

relevant certifications (e.g., Credit Analyst certification) are a plus.

Responsibilities

Consistently meets and exceeds individual and team goals, including but not limited to deposits, loans, fee income, treasury management referrals, client retention, and other applicable metrics, demonstrating a strong focus on business outcomes.
Independently evaluates and analyzes complex financial and credit information to assess creditworthiness, identify opportunities, and make informed recommendations that impact lending decisions.
Makes determinations regarding the scope of documentation and information required to evaluate the client’s financial standing, creditworthiness, collateral support, and proposed transaction within established authority and Bank credit standards.
Independently expands existing relationships and solicits new business through client referrals, prospecting, networking, and proactive outreach, while developing the relationship management capabilities associated with a Relationship Manager role.
Provides strategic support to assigned Bankers and Directors in managing existing client relationships, including meeting preparation, relationship summaries, call plans, follow-up items, and internal coordination.
Engages with new and existing clients and prospects through meetings, calls, and business development activities, initially in partnership with senior bankers and with increasing responsibility based on demonstrated proficiency, while collaborating with internal and external stakeholders to resolve complex corporate banking and transaction matters.
Reviews and analyzes relationship assessments, profitability, deposit opportunities, treasury management needs, cross-sell opportunities, and client service trends to enhance client retention and support the achievement of sales goals.
Acts as a consultant to clients, prospects, Corporate Bankers, and internal partners, developing and implementing tailored banking solutions aligned with client needs, Bank policy, credit standards, and market conditions.
Conducts comprehensive client, prospect, property, sponsor, and relationship analyses and prepares prescreen materials, credit memoranda, relationship assessments, and credit grading information.
Independently researches and prepares market information, property and sponsor summaries, pipeline updates, proposal materials, and client-facing presentations that support business development and client objectives.
Oversees assigned credit and portfolio activities, including underwriting coordination, renewals, annual reviews, covenant compliance, collateral monitoring, risk identification, and credit grading within established authority.
Collaborates with Credit, Loan Administration, Legal, Treasury Management, BSA/KYC, Compliance, Appraisal, Environmental, and other stakeholders to facilitate loan approvals, documentation, closing, booking, renewals, and post-closing requirements.
Prepares and maintains portfolio reports, pipeline reports, exposure summaries, client contact lists, management updates, and other information required by corporate banking leadership to drive decision-making.
Completes required credit, sales, risk, compliance, and Bank training programs and remains current on industry standards, internal policies, and regulatory expectations.
Proactively identifies new business opportunities, portfolio risks, client needs, process improvements, and operational efficiencies and escalates matters to appropriate stakeholders for timely resolution.
Performs other duties and responsibilities as assigned, reflecting a commitment to the organization’s goals and objectives.