Commercial Banker

The Commercial Banker plays a crucial role in managing and developing relationships with small to mid-sized businesses generating less than $25 million in gross sales. This position collaborates closely with the sales team to establish, build, and sustain strong banking relationships, ensuring the overall success and growth of the assigned sales territory. As the primary relationship manager, the banker represents the bank in all client interactions, overseeing the credit process, including credit underwriting, portfolio management, risk identification, and compliance with loan covenants. Responsibilities also encompass ongoing portfolio management, collateral monitoring, and ensuring alignment with the bank's risk and credit grading standards. The role requires individual initiative and effective teamwork to achieve business objectives.

Principal Duties & Responsibilities:

• Consistently meets and exceeds individual and/or team sales goals, including deposits, loans, and other applicable metrics.

• Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts to achieve or surpass the Bank’s strategic goals.

• Independently analyzes credit worthiness, conducts preliminary financial statement analysis against bank risk standards and applicable product requirements to preliminarily determine potential credit worthiness.

• Generates proposals and develops sales strategies at an expert level.

• Develops, expands, and maintains referral sources.

• Documents the relationship management process.

• Collaborates with clients to analyze issues and propose solutions.

• Acts as the client’s advocate in securing suitable credit and cross-selling products and services.

• Structures and completes secured and unsecured business loans.

• Evaluates business, management, industry, financial, and structural risks, documenting assessments in credit approval documents.

• Organizes and leads intricate sales initiatives, including creating complex, customized proposals.

• Works to cultivate and sustain strong relationships with all partners.

• Maintains expert-level knowledge of all bank products and services.

• Participates in special projects as required.

• Actively engages in community organizations and activities.

• 2-4 years in Commercial Banking.

• Must have strong credit and lending understanding and experience.

• Must be highly capable of meeting sales goals, independent activity in direct banking sales and credit support as well as maximizing cross-sell opportunities and relationship profitability.

• Knowledge of commercial banking products and services including credit analysis, underwriting, and treasury management products and services.

• Demonstrated strong financial acumen and high level of problem solving skills.

• Effective communicator, results oriented, demonstrates the ability to excel in high-pressure situations.

• Knowledge of Microsoft Office products: Word, Excel and Outlook.

• Exhibit strong interpersonal skills with the ability to cultivate long term relationships and influence others internally and externally.

• Formal credit training, preferred.

• Bachelor's Degree in Business, Finance or equivalent.
• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree. 

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

To ensure a fair interview process, the use of AI-enabled devices (e.g., AI glasses or similar technology) is not permitted during interviews.

If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at talent.attraction@citynational.com