Wholesale Portfolio Risk Officer III

City National Bank of Florida•Coral Gables, FL

About The Position

The Wholesale Portfolio Risk Officer III ensures the overall quality of the portfolio, addresses clients’ financial needs, supports a favorable client experience, and helps position the bank to expand client relationships. The officer leads identified 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 the line of business. The position handles Commercial and Industrial underwriting, Commercial Real Estate renewals and new loans, and portfolio management. Because portfolio lending decisions are made manually rather than through automated preliminary decision systems, the officer makes decisions within their lending authority and recommends loans requiring exception approval, based on independent analysis of cash flows and lending risk guidelines. The role includes ongoing management and underwriting of Wholesale Risk portfolios, monitoring portfolio events and servicing requirements, coordinating client financial statement collection, and working with business lines and internal departments to assess portfolio trends and maintain compliance.

Requirements

5–10 years of small business banking credit risk experience and some small business lending experience.
Completion of formal credit training.
Strong communication and analytical/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.
Manage portfolio loans and maintain quality control of new loans.
Make sound lending decisions within personal authority and recommend loans requiring exception approval, using independent analysis of cash flows and lending risk guidelines.
Manage and underwrite Wholesale Risk portfolios.
Track renewals, annual reviews, servicing events, covenant checks, and borrowing base reports by relationship using a master portfolio report.
Assess commercial clients’ creditworthiness by analyzing financial trends, assigning credit grades, determining and negotiating credit structures, and recommending final credit decisions consistent 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 the 180-day Maturing Report; upcoming and past-due servicing and financial statement tickler reports; borrowing base reports and field exams; ACH expiration reports; Remote Deposit Capture reports; and monthly reconciliation of loan policy exception waivers.
Coordinate upcoming financial statement requests from clients in conjunction with Wholesale Banking Relationship Managers.
Provide lead time to ensure compliance and meet renewal or servicing timeframes.
Manage financial statement documents for upcoming portfolio events until reviewed, ticklers are updated, and documents are uploaded in Web Director.
Attend joint appointments and visit clients at their places of business.
Interface with the Collateral Control Department regarding monthly borrowing base reports and field exams as required by loan approvals.
Interface directly with clients and participate in building client relationships.
Maintain and update credit policy and underwriting guidelines for debt products in the line of business.