Wholesale Portfolio Risk Officer III

City National Bank of Florida•Coral Gables, FL

About The Position

The Wholesale Portfolio Risk Officer III is responsible for maintaining the overall quality of the wholesale portfolio, meeting clients’ financial needs, supporting a favorable client experience, and identifying opportunities to expand client relationships. The officer leads debt-product opportunities and is accountable for due diligence, underwriting, structuring, and preparing credit packages for review and approval. The role interfaces directly with clients, participates in relationship building, and helps maintain and update credit policy and underwriting guidelines for debt products in this line of business. The role underwrites Commercial and Industrial loans and Commercial Real Estate renewals and new loans. It manages wholesale risk portfolios and makes independent creditworthiness decisions based on financial analysis, cash-flow interpretation, credit grading, credit structure, and bank policies and guidelines. The work is primarily manual and includes Commercial and Industrial, Consumer, and Commercial Real Estate underwriting. The officer also monitors portfolio events, coordinates client financial-statement requests and servicing timelines, manages documentation and ticklers, works with business lines and collateral control, and visits clients at their places of business.

Requirements

5–10 years of small business banking credit-risk experience and some small business lending experience.
Completion of formal credit training.
Strong communication, analytical, and technical skills, including financial accounting and loan structuring.
Demonstrated business calling and negotiation experience.
Exposure to multiple business lines and experience handling more complex transactions.
Good interpersonal skills for working with banking professionals, risk-management staff, clients, and auditors.
Bachelor’s degree in Finance, Accounting, Business Administration, or Economics, or an equivalent combination of education and/or relevant professional experience.

Responsibilities

Underwrite Commercial and Industrial loans and Commercial Real Estate renewals and new loans, and render lending decisions.
Maintain portfolio quality and perform quality control of new loans.
Make sound lending decisions within delegated authority and recommend loans requiring exception approval, based on independent analysis of cash flows and lending risk guidelines.
Manage wholesale risk portfolios, including underwriting and relationship-level tracking of renewals, annual reviews, servicing events, covenant checks, and borrowing-base reports.
Independently assess commercial clients’ creditworthiness by analyzing financial trends, determining credit grades, negotiating and finalizing credit structures, and recommending final credit decisions in accordance with bank policies and guidelines.
Work with lines of business to obtain supporting information and develop a consistent view of portfolio trends.
Analyze business risks with financial impact and provide insight into portfolio performance and profitability trends.
Monitor 180-day maturity reports; upcoming and past-due servicing and financial-statement tickler reports; monthly borrowing-base reports and required field exams; ACH expiration reports; Remote Deposit Capture reports; and monthly reconciliation of loan-policy exception waivers.
Coordinate requests for upcoming client financial statements with Wholesale Banking Relationship Managers and provide sufficient lead time for compliance, renewals, and servicing.
Manage financial-statement documents for upcoming portfolio events until reviewed, ticklers updated, and documents uploaded in Web Director.
Attend joint appointments and visit clients at their places of business.
Participate in building client relationships and take the lead on identified debt-product opportunities.
Maintain and update credit policy and underwriting guidelines for debt products in the line of business.