Senior Banker

Charles Schwab Inc.•Orlando, FL

10d•$102,000 - $204,100

About The Position

The Senior Banker partners with Schwab Wealth Advisory partners and their end clients to provide banking and credit solutions, serving high-net-worth clients with complex credit needs and high service expectations. Solutions may include residential mortgages, home equity lines of credit, securities-based lending, trust services, and deposit products such as checking and savings accounts. The role works across Schwab Bank teams—including sales, credit, operations, trust, and deposit services—to develop recommendations tailored to clients’ needs. It includes internal marketing and meetings with Schwab partners, client meetings as requested, and coordination with clients’ accountants, attorneys, and other professionals. The Senior Banker is the primary contact for loan inquiries, applications in process, and issue resolution related to origination and servicing.

Requirements

At least 5 years of successful lending consultation and business development experience in financial services or working closely with HNW/UHNW clients.
Expert knowledge of residential mortgage products, home equity lines of credit, and securities-based loans.
Familiarity with bank deposit and cash management products, brokerage margin products, and business banking requirements and structures.
Ability to analyze cash flow and balance sheets of HNW/UHNW retail brokerage clients and develop personal financial statements.
General understanding of estate planning techniques, entity structuring, and tax strategies.
Diplomacy, discretion, and professionalism, including the ability to screen, manage, or decline transactions tactfully while maintaining relationships.
Excellent oral and written communication skills and exceptional presentation skills.
Strong relationship-building capabilities with Schwab teammates, HNW/UHNW clients, and matrix partners such as service, credit, risk, and third-party vendors.
Strong collaboration skills in a team-oriented environment.
Attention to detail and ability to multitask, work efficiently independently and with teams, and meet tight deadlines with minimal supervision.
Strong command of mortgage underwriting guidelines.
Series 7 and 63/65 or 66 licenses required.
NMLS license required; must be obtained within 90 days of employment.

Nice To Haves

Formal credit training is strongly preferred.
Undergraduate or advanced degree preferred.
Banking background with experience working with HNW/UHNW brokerage clients strongly preferred.

Responsibilities

Advise Schwab Wealth Advisory clients on suitable bank lending, deposit, and trust solutions, including products, pricing, and deal structures.
Gather client information from internal and external resources to complete applications.
Partner with Schwab teammates in assigned geographies to identify lending, deposit, and trust opportunities and recommend action plans.
Build a reputation for execution and excellence and earn Schwab partners’ confidence in developing client opportunities.
Develop and present lending, deposit, and trust solutions, consulting credit specialists and other partners as needed.
Own the banking client experience from initial contact through loan funding or account establishment, coordinating with partners and third-party providers.
Communicate and work effectively with Schwab partners.
Identify complex transaction structures early, including entity, trust, guarantor, co-op, unique property, construction, condensed-timeline, and multiple-co-borrower requirements.
Track the status of banking applications in the pipeline and serve as the primary Schwab Bank liaison for account opening parties, including service, credit, risk, and third-party vendors.
Address issues arising during the loan process and assist with underwriting requests.
Coordinate with clients’ accountants, attorneys, and other professionals as needed.
Serve as the primary contact for loan inquiries, loans in process, and problem resolution involving origination and servicing requests.