Commercial Banker

City National Bank; Torch of Friendship (FL); Hybrid; USD 85,000 - 110,000; Full time

Job summary

City National Bank is seeking a Commercial Banker in Florida to manage and grow relationships with small to mid-sized businesses. You will oversee credit underwriting, portfolio management, and ensure compliance with loan covenants while collaborating with the sales team to drive deposits and loans.

The role emphasizes independent client development, credit analysis, and cross-selling across bank products, requiring proactive teamwork and strong interpersonal skills.

Qualifications

• 2–4 years in Commercial Banking.
• Strong credit and lending understanding.
• Ability to meet sales goals and maximize cross-sell opportunities.
• Knowledge of commercial banking products and services (credit, underwriting, treasury).
• Strong financial acumen and problem-solving skills.
• Effective communicator in high-pressure situations.
• Proficiency with Word, Excel, Outlook.

Responsibilities

• Meet and exceed individual/team sales goals (deposits, loans, etc.).
• Expand relationships via client referrals and cold-calling to meet strategic goals.
• Analyze creditworthiness and preliminarily assess financial statements against risk standards.
• Develop proposals and sales strategies.
• Maintain and grow referral sources; document relationship management process.
• Collaborate with clients to analyze issues and propose solutions.
• Advocate for clients to secure suitable credit and cross-sell products.
• Structure and complete secured/unsecured business loans.
• Evaluate risks and document assessments in credit approvals.
• Lead complex sales initiatives and customize proposals.
• Cultivate relationships with partners.

Skills

Credit analysis

Lending knowledge

Sales goals achievement

Client relationship building

Communication skills

MS Office

Interpersonal skills

Education

Bachelor's Degree in Business/Finance

Equivalent combination of education/experience

Tools

Microsoft Office

Job description

Job Details

• Job ID: 2026-5929


• Category: Commercial Banking


• Type: Full-Time


• Workplace policy: Hybrid

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.

Special Instructions to Candidates

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.