Commercial Banker III

BankUnited, N. A.; Dallas (TX); On-site; USD 85,000 - 110,000; Full time

Job summary

BankUnited is seeking a Commercial Banker to generate and maintain portfolios of commercial loans and deposits, while delivering outstanding client service and cross-sell opportunities. You will originate and service relationships, target mid-market companies, and collaborate with Credit and Portfolio Management to maintain credit quality.

Responsibilities include proactive portfolio management, regular relationship reviews, and cross-selling through internal partners to deepen client

Qualifications

• Bachelor's Degree or equivalent required.
• 4-6 years of experience in Business Banking and/or Commercial Banking required.
• Licenses and Certifications: Real Estate Agent or Notary preferred.

Responsibilities

• Originates, services and grows a portfolio of commercial banking relationships.
• Develops knowledge of local mid-market companies and maintains an active target list.
• Manages inherited and originated credit and depository relationships with emphasis on client service and proactive credit quality.
• Delivers credit and non-credit product proposals and uses a needs-dialogue approach to cross-sell.

Skills

Commercial banking

Credit risk

Portfolio management

Client service

Cross-selling

Education

Bachelor's degree

Job description

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 portfolio.

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 objectives.

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 training.

Collaborates with internal business partners to ensure full "cross-sale" penetration of client relationship.

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, etc.).

Adheres to Bank policies and procedures and completes required training.

Identifies and reports suspicious activity.

QUALIFICATIONS

Education

• Bachelor's Degree or equivalent required and

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.

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Why BankUnited?

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BankUnited is an Equal Opportunity Employer. BankUnited does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin, age, disability, veteran status, pregnancy, marital status, citizenship status, sexual orientation, gender identity, genetic information, or any other classification protected by applicable laws.

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