Commercial Banker

City National Bank of Florida; Florida; On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

Health Coverage

401(k) with matching

Paid Time Off

Job summary

City National Bank of Florida is seeking a Commercial Banker to manage and grow relationships with small to mid-sized businesses. You will oversee credit underwriting, portfolio management, and compliance, while actively developing new business and cross-selling bank products.

Requirements include 2–4 years in commercial banking, solid credit knowledge, and strong communication. Proficiency in MS Office and a Bachelor’s in Business or Finance are preferred.

Qualifications

• 2–4 years of experience in commercial banking.
• Strong credit and lending knowledge.
• Proven ability to meet sales goals and cross-sell.
• Knowledge of commercial banking products including treasury management.
• Excellent communication and problem-solving skills.
• Proficient in Word, Excel, Outlook.
• Formal credit training preferred.

Responsibilities

• Meet and exceed sales goals for deposits, loans, and related metrics.
• Expand relationships through referrals and cold-calling.
• Analyze credit worthiness and preliminary financial statements.
• Prepare proposals and develop sales strategies.
• Collaborate with clients to analyze issues and propose solutions.
• Lead complex loan structuring and documentation.

Skills

Commercial Banking

Credit Analysis

Relationship Building

Sales & Cross-Sell

MS Office

Communication

Education

Bachelor's Degree in Business

Bachelor's Degree in Finance

Job description

About Us

Think BIG. Achieve More.

At City National Bank of Florida, we invest in our people and the communities we serve. Join a team where ambitious careers and meaningful relationships thrive together. We’re entrepreneurs at heart—growing fast, making an impact, and shaping the future of banking in Florida. To learn more about City National Bank of Florida visit About Us!

Overview

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.

Qualifications

• 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.

Education

• 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.

Benefits & Perks

We offer a competitive benefits package designed to support your success:

• Health Coverage: Medical, dental, and vision plans with employer contributions.
• Retirement Savings: 401(k) with matching.
• Paid Time Off & Holidays: Generous PTO and paid holidays.
• Wellness Support: Access to mental health and financial wellness resources.

Visit our benefits page to learn more Benefits!

Join City National Bank of Florida. The possibilities are endless.

Equal Opportunity

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.

Interview Guidelines

To ensure a fair and consistent interview process, applicants are not permitted to use AI-enabled devices during interviews, including AI glasses or similar wearable technology that can record, transmit, or generate real-time information.

Applicants who require a reasonable accommodation to participate in the interview process should contact [e-mail] in advance of the interview to submit an accommodation request. City National Bank of Florida will engage in the interactive process and provide reasonable accommodations in accordance with applicable law.