Finance Relationship & Profitability Officer

City National Bank of Florida; Coral Gables (FL); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health coverage

401(k) matching

Paid time off

Wellness resources

Job summary

City National Bank of Florida is seeking a Finance Relationship & Profitability Officer to lead loan pipeline, pricing, and profitability initiatives. You will collaborate with Commercial Banking, Treasury, Wealth Management, Credit, and Operations to optimize balance sheet outcomes and support automated reporting initiatives.

The role emphasizes governance, constructive challenge, and strategic insight to improve earnings, liquidity, and client value across the full-relationship portfolio.

Qualifications

• 2+ years in financial analysis, banking or pricing.
• Understanding of banking products, balance sheet concepts, and profitability metrics.
• Excel/PowerPoint advanced; exposure to Qlik/Power BI/CRM; Python desired.
• Strong analytical, communication, and collaboration skills.

Responsibilities

• Loan Pipeline Oversight: review pipelines across all LOBs.
• Loan Pricing and Profitability Optimization: evaluate pricing and economics.
• Loan Payoff and Runoff Monitoring: track payoff assumptions and runoff visibility.
• Deposit Pipeline and Pricing Review: monitor deposit pricing and liquidity.
• Deposit Attrition and Share of Wallet: review at-risk deposits and retention.
• Pricing Approval Governance: review pricing exceptions for completeness.
• LOB Training and Advisory Support: train on pricing concepts.
• Profitability and Portfolio Analytics: track trends and reporting.
• Loan Closing Coordination and Pricing Validation: ensure pricing in docs.
• Reporting Automation and Data Governance: support automated reports and data ownership.

Skills

Financial analysis

Pricing & profitability

Forecasting & reporting

Excel & PowerPoint

Qlik / Power BI

Python knowledge

Cross-functional collaboration

Banking knowledge

Education

Bachelor's in Finance

Tools

Qlik

Power BI

CRM

Pricing tools

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 Finance Relationship & Profitability Officer serves as the primary liaison between Finance/Treasury and the Lines of Business for loan and deposit pipeline management, pricing discipline, relationship profitability, balance sheet forecasting, and pricing execution. The role provides analytical review, challenge, guidance, and follow-up throughout the life cycle of commercial opportunities.

Working with Commercial Banking, Treasury Management, Wealth Management, Credit, Finance, Loan Closing, Operations, Technology, and Data Analytics, the officer helps ensure that production goals align with the bank’s profitability, liquidity, funding, capital, and balance sheet objectives. The position also supports the transition from manual pipeline and payoff reporting to automated Qlik reporting with clear data ownership and reconciliation controls.

What You'll Do

Loan Pipeline Oversight

• Perform periodic reviews of loan pipelines across all LOBs.
• Validate amounts, probability, expected closing dates, and funding timing.
• Challenge assumptions and identify material changes affecting liquidity, funding, production expectations, or balance sheet plans.
• Maintain regular dialogue with lenders and production teams regarding pipeline quality.

Loan Pricing and Profitability Optimization

• Review pricing opportunities submitted for Finance approval.
• Evaluate transaction and full-relationship economics, including loans, deposits, fees, Treasury Management, Wealth Management, funding costs, credit costs, liquidity, capital, and operating costs.
• Verify compliance with approved return thresholds and profitability objectives.
• Develop alternatives that improve profitability while preserving client competitiveness.

Loan Payoff and Runoff Monitoring

• Maintain regular dialogue with lenders regarding expected loan payoffs.
• Validate payoff assumptions and improve visibility into future balance sheet runoff.
• Evaluate whether relationships should be retained or strategically allowed to run off.
• Escalate significant anticipated runoff events to Treasury and Finance leadership.

Deposit Pipeline and Pricing Review

• Monitor deposit acquisition pipelines and validate assumptions supporting liquidity and funding forecasts.
• Review large deposit pricing exceptions and strategic deposit opportunities.
• Ensure decisions align with funding objectives and full-relationship profitability goals.

Deposit Attrition and Share of Wallet

• Establish regular reviews of at-risk deposits and partner with LOBs on retention strategies.
• Assess the profitability of retention efforts.
• Support follow-up on operating DDA, Treasury Management, Wealth Management, merchant services, FX, derivatives, and other fee opportunities.
• Improve visibility into expected deposit runoff and liquidity impacts.

Pricing Approval Governance

• Perform the initial Finance review of pricing exceptions for completeness and business justification.
• Validate assumptions used in profitability analyses and promote consistency across LOBs.
• Escalate opportunities outside established profitability expectations or approval authority.

LOB Training and Advisory Support

• Serve as a subject matter resource for pricing tools and profitability methodologies.
• Assist bankers in modeling opportunities before formal approval submission.
• Provide training on pricing concepts, relationship economics, and return expectations.
• Create a consistent feedback loop between Finance and production teams.

Profitability and Portfolio Analytics

• Track recurring pricing trends, exceptions, RAROC, spreads, deposit capture, and relationship penetration.
• Identify opportunities for improved profitability.
• Produce regular reporting for Finance, Treasury, and ALCO.
• Help ensure portfolio growth contributes positively to earnings, returns, and funding objectives.

Loan Closing Coordination and Pricing Validation

• Compare approved pricing requests with final loan documentation and system setup before booking.
• Validate interest rate structure, spreads, index selection, floors and ceilings, repricing provisions, fees, and prepayment penalties.
• Resolve discrepancies before closing to reduce operational risk, revenue leakage, and downstream corrections.
• Serve as liaison among Finance, Loan Operations, Credit, and the LOBs so approved economics are executed as intended.

Reporting Automation and Data Governance

• Support requirements, design, testing, implementation, and validation of automated pipeline and payoff reporting in Qlik.
• Establish data definitions, RM ownership, update expectations, reconciliation controls, and issue-resolution processes.
• Track progress toward retiring manual pipeline and payoff reports.

Qualifications

• 2+ years experience in financial analysis, commercial banking, pricing, profitability reporting, FP&A, Treasury, management reporting, loan operations, portfolio management, or a related analytical role.
• Understanding of commercial banking products; relationship economics; financial statements; balance sheet concepts; FTP, RAROC, expected loss, liquidity cost, capital allocation, and return thresholds.
• Advanced proficiency in Microsoft Excel and PowerPoint. Exposure to Qlik, Power BI, CRM, pricing, profitability, pipeline, or workflow tools is preferred. Python knowledge desired.
• Strong analytical judgment, attention to detail, communication, organization, collaboration, documentation, and the ability to challenge constructively.

Education

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, Data Analytics, or a related field.
• An equivalent combination of education and relevant professional experience may be considered.

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.

Special information 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.