Commercial/CRE Loan Officer III

Grove Bank & Trust; Miami (FL); On-site; USD 90,000 - 160,000; Full time

Benefits offered by this job

Drug-free workplace

EOE - Veteran/Disability

Job summary

Grove Bank & Trust in Miami, FL seeks an experienced relationship manager to develop and manage a commercial loan portfolio in a high-growth market. You will act as the primary point of contact for clients, drive profitable relationships, and coordinate with Risk, Treasury, and Lending teams to structure tailored financing solutions.

Ideal candidates have 7+ years of commercial lending experience, strong credit analysis skills, and a track record of sourcing new business through centers of

Qualifications

• 7+ years of commercial lending experience including portfolio management and business development.
• Formal credit analysis training preferred.
• Proven ability to maximize loan production and cross-sell banking products.

Responsibilities

• Manage the commercial loan portfolio and primary client contact for assigned accounts.
• Develop long-term, profitable client relationships and source new opportunities.
• Originate and structure commercial loans, including terms, repayment, and collateral.
• Collaborate with Credit Risk, Portfolio Management, Treasury, and other teams to tailor solutions.

Skills

Relationship management

Credit analysis

Portfolio management

Business development

COI networks

Education

Bachelor's degree in Accounting, Finance, Real Estate or Economics

Tools

CRM (Salesforce)

Credit risk software

Financial modeling

Job description

SUMMARY: Focuses on developing and managing relationships with professional real estate investors, and small and medium size business clients in the Florida market. Performs other related duties as necessary.

Essential Duties And Responsibilities

• Responsible for the relationship management of a commercial loan portfolio in accordance with applicable laws, regulations and internal policies and procedures. Acts as the primary contact for assigned accounts and ensures timely delivery of quality service and issue resolution.
• Develop and maintain long‑term, profitable client relationships with a strong emphasis on self‑sourcing new relationships, asset quality, while ensuring appropriate risk‑adjusted returns and overall profitability.
• Develops new commercial loan business through the development of industry contacts; referral follow‑up; calls and visits to new and existing clients; and participation in community or industry related functions.
• Oversee all aspects of the client relationship, including lending, deposit growth, and cross‑sell of ancillary banking products and services.
• Partner closely with internal stakeholders, including Credit Risk Management, Team Leadership, Portfolio Management, and Treasury Management to deliver tailored solutions for both existing and prospective clients.
• Interviews loan applicants, conducts preliminary financial analysis and establishes credit risk. Negotiates and structures the credit terms including costs, repayment method and schedule, and collateral required to secure the loan.
• Prepares Loan Approval Reports and commitment letters for new and renewed commercial loans to ensure timely closings.
• Requests and reviews required documentation to underwrite credit transactions. Performs underwriting and recommends approvals for loans that are within assigned lending limits or submits to Credit Department if above the lending limits.
• May attend loan committee meetings to present loan analysis reports; obtains approval on loans exceeding lending officer limits; and ensures proper communication on issues significant to the bank and staff.
• Expected to originate loans that range in size from $1MM to $15MM, with annual production of $25MM.
• Monitors loan repayment activities and takes necessary collection efforts on past due loans.
• Works with the Credit Department in completing annual reviews and site visits.

Supervisory Responsibilities

• May manage and supervise employees in the Loan Production department. May carry out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Bachelor's degree in Accounting, Finance, Real Estate or Economics; minimum 7 years of commercial and consumer lending experience including portfolio management and business development; or equivalent combination of education and/or experience. Formal credit analysis training preferred. Proven ability to maximize sales through established industry contacts and Center of Influence (COI) relationships. Strong analytical, decision‑making and problem‑solving skills. Excellent interpersonal and communication skills.

All candidates for hire will undergo a credit and criminal background check. Only qualified candidates will be contacted.

Grove Bank & Trust is a drug‑free workplace and an AA/Equal Opportunity Employer - Veteran/Disability.