Finance Relationship & Profitability Officer

City National Bank of Florida•Coral Gables, FL

About The Position

The Finance Relationship & Profitability Officer serves as the primary liaison between Finance/Treasury and the Lines of Business for loan and deposit pipeline management, pricing discipline, relationship profitability, balance sheet forecasting, and pricing execution. The role provides analytical review, challenge, guidance, and follow-up throughout the life cycle of commercial opportunities. Working with Commercial Banking, Treasury Management, Wealth Management, Credit, Finance, Loan Closing, Operations, Technology, and Data Analytics, the officer helps ensure that production goals align with the bank’s profitability, liquidity, funding, capital, and balance sheet objectives. The position also supports the transition from manual pipeline and payoff reporting to automated Qlik reporting with clear data ownership and reconciliation controls.

Requirements

At least 2 years of experience in financial analysis, commercial banking, pricing, profitability reporting, FP&A, Treasury, management reporting, loan operations, portfolio management, or a related analytical role.
Understanding of commercial banking products, relationship economics, financial statements, balance sheet concepts, FTP, RAROC, expected loss, liquidity cost, capital allocation, and return thresholds.
Advanced proficiency in Microsoft Excel and PowerPoint.
Strong analytical judgment, attention to detail, communication, organization, collaboration, and documentation skills, including the ability to challenge constructively.
Bachelor’s degree in Finance, Accounting, Economics, Business Administration, Data Analytics, or a related field. An equivalent combination of education and relevant professional experience may be considered.

Nice To Haves

Exposure to Qlik, Power BI, CRM, pricing, profitability, pipeline, or workflow tools.
Python knowledge.

Responsibilities

Perform periodic reviews of loan pipelines across all lines of business; validate amounts, probabilities, expected closing dates, and funding timing; challenge assumptions and identify material changes affecting liquidity, funding, production expectations, or balance sheet plans; and maintain dialogue with lenders and production teams about pipeline quality.
Review loan pricing opportunities submitted for Finance approval and evaluate transaction and full-relationship economics, including loans, deposits, fees, Treasury Management, Wealth Management, funding costs, credit costs, liquidity, capital, and operating costs.
Verify compliance with approved return thresholds and profitability objectives, and develop alternatives that improve profitability while preserving client competitiveness.
Maintain dialogue with lenders about expected loan payoffs, validate payoff assumptions, improve visibility into future balance sheet runoff, evaluate whether relationships should be retained or allowed to run off strategically, and escalate significant anticipated runoff events to Treasury and Finance leadership.
Monitor deposit acquisition pipelines, validate assumptions supporting liquidity and funding forecasts, review large deposit pricing exceptions and strategic deposit opportunities, and ensure decisions align with funding objectives and full-relationship profitability goals.
Establish regular reviews of at-risk deposits and partner with lines of business on retention strategies; assess the profitability of retention efforts; support follow-up on operating DDA, Treasury Management, Wealth Management, merchant services, FX, derivatives, and other fee opportunities; and improve visibility into expected deposit runoff and liquidity impacts.
Perform initial Finance reviews of pricing exceptions for completeness and business justification, validate assumptions used in profitability analyses, promote consistency across lines of business, and escalate opportunities outside established profitability expectations or approval authority.
Serve as a subject matter resource for pricing tools and profitability methodologies; help bankers model opportunities before formal approval submission; provide training on pricing concepts, relationship economics, and return expectations; and create a consistent feedback loop between Finance and production teams.
Track pricing trends, exceptions, RAROC, spreads, deposit capture, and relationship penetration; identify opportunities for improved profitability; produce regular reporting for Finance, Treasury, and ALCO; and help ensure portfolio growth contributes positively to earnings, returns, and funding objectives.
Compare approved pricing requests with final loan documentation and system setup before booking. Validate interest rate structure, spreads, index selection, floors and ceilings, repricing provisions, fees, and prepayment penalties; resolve discrepancies before closing; and liaise among Finance, Loan Operations, Credit, and the lines of business so approved economics are executed as intended.
Support requirements, design, testing, implementation, and validation of automated pipeline and payoff reporting in Qlik. Establish data definitions, RM ownership, update expectations, reconciliation controls, and issue-resolution processes, and track progress toward retiring manual pipeline and payoff reports.