Commercial Banker II

BankUnited; Fort Lauderdale (FL); Sur place; USD 70 000 - 110 000; Plein temps

Résumé du poste

BankUnited in Florida is seeking a Commercial Banker to generate and maintain portfolios of commercial loans and deposits while delivering client service and cross-sales opportunities. You will manage relationships, call on top market targets, and collaborate with Credit and Portfolio teams to ensure portfolio health.

The role emphasizes proactive credit and non-credit product proposals, rigorous service standards, and adherence to banking regulations.

Qualifications

• Bachelor's Degree or equivalent combination of education and experience required.
• 4-6 years of experience in Business Banking and/or Commercial Banking required.
• Licenses: Licensed Real Estate Agent preferred or Notary License preferred.
• Must demonstrate consistent above-average sales skills and results relative to goals and expert level knowledge and implementation of sound credit risk/portfolio management skills.

Responsabilités

• Originates, services and grows a portfolio of commercial banking relationships.
• Meets and exceeds stated individual goals via the full adoption of the commercial banking structured sales process including direct origination efforts, managing a prospect portfolio, owning key centers of influence, participation in business networking organizations, and nurturing internal relationships with business banking and corporate banking.
• Develops intimate knowledge of local operating companies and maintains an active cadence of calling into top market targets.
• Manages a portfolio of inherited and originated credit and depository relationships, focusing on client service and proactive portfolio management.
• Delivers credit and non-credit product proposals and uses needs-dialogue to deliver client solutions.
• Works with Credit partners to ensure proactive credit portfolio management and renewals.
• Adheres to Bank policies and compliant with applicable laws including anti-money laundering guidance.

Connaissances

Sales skills

Credit risk

Portfolio management

Relationship building

Cross-selling

Formation

Bachelor's degree

Description du poste

LOCATION: Fort Lauderdale or Palm Beach Florida

JOB SUMMARY: The Commercial Banker is primarily responsible for generating and maintaining portfolios of commercial loans and deposits, as well as providing client service, cross-sales and retention of inherited and acquired bank relationships.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Originates, services and grows a portfolio of commercial banking (credit and non-credit) relationships. Meets and exceeds stated individual goals via the full adoption of the commercial banking structured sales process including: direct origination efforts, managing a prospect portfolio, owning key, segment relevant centers of influence, participation in relevant business networking organizations, and nurturing internal relationships with, for example, business banking and corporate banking.
• Develops intimate knowledge of local $15-$100-million-dollar operating companies in A and B designated industries and maintains an active cadence of calling into pre-identified and researched "top 100" in market targets, regularly adding new names to this list through active prospect research and calling.
• Manages a portfolio of inherited and originated credit and depository relationships, with a focus on: a) exceptional client service, and b) proactive portfolio management / credit quality through the Structured Credit Process.
• Demonstrates proficiency in the credit process, with a focus on the identification and screening of viable credit opportunities with full package submissions to the Credit Center (smaller credit opportunities) and well written, thorough pre-screen memorandums submitted via the OnePATHE process for custom channel (larger credits) deal submissions.
• Delivers credit and non-credit product proposals, prepares for same with pre-call planning and joint calling techniques, takes a needs-dialogue approach to delivering client solutions, demonstrates independent ability to overcome objections & problem solve, and convert incremental business opportunities to BankUnited.
• Works closely with Credit partners, Portfolio Managers, and Portfolio Administrators to ensure proactive management of the credit Focus on renewals well prior to any maturity, timely annual review completion, early problem identification, loans with deteriorating credit trends are identified and escalated expeditiously to management and credit administration.
• Possesses proficient knowledge of BankUnited credit policy, as well as credit and non-credit products the organization offers to prospective and existing clients.
• Achieves client and prospective client calling
• Utilizes Bank contact management and sales tracking systems to retain prospective client names and records, as well as standard bank templates (such as term sheet template).
• Attends and actively participates in regularly scheduled division meetings and on-going
• Collaborates with internal business partners to ensure full "cross-sale" penetration of client
• Works in corroboration with teammates and Bank partners to escalate their level of performance within the organization.
• Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, ).
• Adheres to Bank policies and procedures and completes required
• Identifies and reports suspicious

QUALIFICATIONS

Education

• Bachelor's Degree or equivalent combination of education and experience required Or

Experience

• 4-6 years of experience in Business Banking and/or Commercial Banking required

Licenses and Certifications

• Licensed Real Estate Agent preferred or
• Notary License preferred

Knowledge, Skills, and Abilities

• Must demonstrate consistent above-average sales skills and results relative to goals and expert level knowledge and implementation of sound credit risk/portfolio management skills.

Additional Information

• Candidates residing in locations within BankUnited's footprint may be given preference.