Wholesale Portfolio Risk Officer

City National Bank of Florida•Miami, FL

7d•Hybrid

About The Position

The Wholesale Portfolio Risk Officer ensures the overall quality of the portfolio is maintained. This role handles the client's financial needs, ensuring a favorable client experience and positioning the bank to expand relationships. The officer takes the lead on debt product opportunities, is accountable for due diligence, underwriting, structuring, and preparing credit packages for approval. They interface directly with clients to build relationships and are responsible for maintaining and updating credit policy and underwriting guidelines for debt products.

Requirements

5-10 years of small business banking credit risk 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.
Experience handling more complex transactions.
Good interpersonal skills to deal with banking professionals with various skill sets, risk management staff, clients and auditors.

Responsibilities

Commercial and Industrial Underwriting and Commercial Real estate renewals and opening of new loans to render a lending decision.
Portfolio loans while maintaining quality control of new loans.
Making sound decisions within own lending authority and making recommendations for loans requiring exception approval authority, based on independent analysis and interpretations of cash flows, and banking lending risk guidelines.
Ongoing management of the Wholesale Risk portfolios including underwriting.
Managing relationships via a master portfolio report for tracking all renewals, annual reviews, servicing events, covenant checks and borrowing base reports by relationship.
Making independent decisions on the creditworthiness of commercial clients of the Bank which includes: determining financial trends based on financial analysis; determining appropriate credit grading; determining, negotiating and finalizing appropriate credit structures; and providing independent recommendation of final credit decisions as per the Bank’s credit policies and guidelines.
Working closely with lines of business to obtain supporting information and data to develop a consistent view of portfolio trends.
Driving analysis of wide-ranging business risks that have financial impact and providing insight into trends in portfolio performance and profitability.
Monitoring portfolio activity for the following: 180 day Maturing Report, Upcoming and Past Due Servicing tickler reports, Upcoming and Past Due Financial Statement tickler reports.
Coordinating the requisition of upcoming financial statement requirements from clients in conjunction with Wholesale Banking Relationship managers.
Managing high volumes of documents (financial statements) for upcoming portfolio events until documents have been reviewed, ticklers updated and uploaded in Web Director.
Attending joint appointments.
Visiting Clients at their place of business.