Corporate Banking Associate

City National Bank of Florida•Coral Gables, FL

11h

About The Position

The Corporate Banking Associate partners with the Corporate Banking Executive, Directors, and Relationship Managers to support the growth and management of corporate banking relationships. The role provides broad exposure to relationship management, business development, credit, portfolio management, and risk assessment, with the goal of developing the skills needed to become a Corporate Banker and trusted client advisor. The Associate supports strategic initiatives, business planning, portfolio analyses, market development, and other line-of-business priorities. The position also identifies client and prospect opportunities, researches target industries, supports calling plans, and contributes to market growth strategies. Additional work includes client engagement, credit analysis, portfolio management, risk identification, collateral monitoring, covenant compliance, and ongoing portfolio reviews. The Associate exercises judgment within established authority and follows the Bank’s credit, risk management, and compliance standards. Successful first-year performance is intended to position the Associate for formal commercial credit training and a development path toward a Corporate Banker role.

Requirements

2–4 years of experience in Corporate/Commercial banking or financial services, 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 commercial real estate 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.
Skill in analyzing complex financial and credit information to assess creditworthiness, identify opportunities, and make lending recommendations.
Skill in business development, relationship management, prospecting, and networking.
Skill in preparing and presenting credit, financial, and relationship recommendations to senior bankers, clients, and internal stakeholders.
Strong verbal and written communication skills, including the ability to participate 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 participate effectively 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 responsibilities.
Knowledge of AI and professional proficiency in using AI platforms.
Bachelor’s degree in Finance, Business Administration, or a related field; an equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Nice To Haves

Relevant certifications, such as a Credit Analyst certification.

Responsibilities

Meet and exceed individual and team goals, including deposits, loans, fee income, treasury management referrals, and client retention.
Analyze financial and credit information, assess creditworthiness, identify opportunities, and make informed lending recommendations.
Determine the documentation and information needed to evaluate client financial standing, creditworthiness, collateral support, and proposed transactions within established authority and Bank credit standards.
Expand existing relationships and solicit new business through referrals, prospecting, networking, and outreach.
Support assigned Bankers and Directors in managing client relationships through meeting preparation, relationship summaries, call plans, follow-up, and internal coordination.
Engage with clients and prospects through meetings, calls, and business development activities, initially alongside senior bankers and with increasing responsibility as proficiency develops.
Analyze relationship profitability, deposit opportunities, treasury management needs, cross-sell opportunities, and client service trends.
Develop tailored banking solutions aligned with client needs, Bank policy, credit standards, and market conditions.
Conduct client, prospect, property, sponsor, and relationship analyses; prepare prescreen materials, credit memoranda, relationship assessments, and credit grading information.
Research and prepare market information, property and sponsor summaries, pipeline updates, proposals, and client-facing presentations.
Oversee assigned credit and portfolio activities, including underwriting coordination, renewals, annual reviews, covenant compliance, collateral monitoring, risk identification, and credit grading within established authority.
Collaborate 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.
Prepare and maintain portfolio and pipeline reports, exposure summaries, client contact lists, management updates, and other information for corporate banking leadership.
Complete required credit, sales, risk, compliance, and Bank training and remain current on industry standards, internal policies, and regulatory expectations.
Identify business opportunities, portfolio risks, client needs, process improvements, and operational efficiencies, and escalate matters for resolution.
Perform other duties and responsibilities as assigned.