SVP-Commercial Real Estate

Pibank USA; Florida; Presencial; USD 85.000 - 125.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Health insurance

Descripción de la vacante

Pibank USA in Florida seeks a Commercial Loan Officer to drive loan production while ensuring credit standards are met. The role requires strong credit, analytical, and communication abilities, with emphasis on relationship-building and portfolio oversight.

The position involves active prospecting for new commercial loan relationships, building a robust referral network, representing the bank at community events, and maintaining an accurate loan pipeline.

Formación

• Minimum 5 years of experience as a lender with a South Florida based bank.
• Bachelor’s degree in business, Finance or related field.
• Strong interpersonal and sales skills.
• Strong verbal and written communication skills.
• Bilingual (English/Spanish) ability is preferred.
• Sound credit and analytical skills related to loan screening and underwriting.
• Excellent presentation skills and public speaking ability.

Responsabilidades

• Attain or exceed assigned annual loan production goals.
• Actively and efficiently prospect for new commercial loan customer relationships.
• Develop and cultivate an effective new business referral network through existing customers, accountants, attorneys and business associates.
• Represent the Bank and actively participate in Community organizations and events.
• Be fully cognizant of the Bank’s Credit Policies and adhere to them.
• Generate a loan pipeline that is replenished as loans are closed and booked.
• Document calling efforts on prospect/customer visits.
• Actively manage the assigned loan portfolio and monitor documentation.
• Prepare initial cursory credit analysis for new prospect and present for underwriting.
• Coordinate with Underwriter and support the underwriting process.
• Present fully underwritten loans to Credit Committee and Board when required.
• Participate in the closing process and ensure proper booking and disbursement.
• Respond to customer needs with Ownership and Urgency.
• Be a Team player and collaborate across Bank areas.
• Maintain organized files and timely follow-up to meet customer expectations.
• Strive for Excellence and Results Oriented.
• Complete required Bank trainings and OFAC/BSA compliance.

Conocimientos

Interpersonal skills

Sales skills

Verbal communication

Written communication

Credit analysis

Underwriting

Public speaking

Educación

Bachelor's degree in business/Finance or related field

Descripción del empleo

The Commercial Loan Officer’s primary responsibility is to attain his/her assigned commercial loan production goals by generating high-quality loans that meet all of the Bank’s credit standards. In addition, this position is responsible for the efficient and timely monitoring and servicing of an assigned existing residential and commercial loan portfolio. Compliance with the OFAC Regulations is the responsibility of ALL employees of the Bank. You are expected to be familiar with and have knowledge of the requirements of OFAC Regulations.

ESSENTIAL FUNCTIONS:

• Attain or exceed assigned annual loan production Goals.
• Actively and efficiently prospect for new commercial loan customer relationships.
• Develop and cultivate an effective new business referral network through existing customers, accountants, attorneys and business associates.
• Represent the Bank and actively participate in Community organizations (i.e. Chambers of Commerce) and other events that will project the Bank’s brand into the community and result in new customer relationships.
• Be fully cognizant of the Bank’s Credit Policies and of any changes/amendments and adhere to them at all times.
• Be consistent in calling efforts and generate a loan pipeline that is continuously being replenished with new potential transactions as loans are closed and booked.
• Diligently document calling efforts on prospect/customer visits in file memos.
• Actively manage the assigned loan portfolio, ensure receipt of all required current documentation, be vigilant and proactive on existing loans status and begin immediate remedial/collection efforts when the need arises.
• Prepare initial cursory credit analysis on all new loan prospects and present it to Senior Lending Officer/Officer’s Credit Committee for discussion and determination on whether to proceed with full underwriting.
• Actively and cooperatively work with Underwriter assigned to a new loan and assist in the gathering of any required information or response to any question posed during the credit underwriting process.
• Once a loan is fully underwritten, present to the Officer’s Credit Committee, and when necessary, to the Board of Credit Committee. All presentations should be effective and professional.
• Actively participate in the closing process of each approved loan and ensure that it is properly booked and disbursed.
• Always have a sense of Ownership and Urgency in responding to customer needs, completing assigned tasks and in attainment of goals and objectives.
• Be a Team player, interact effectively and professionally with all individuals and areas of the Bank that you come into contact with and that are needed to be servicing the customer and attaining goals.
• Ensure organized and efficient work habits and workflow resulting in proper documentation, well organized and maintained customer files, timely follow up on all required tasks or requests and ability meet customer expectations and to win their trust and respect.
• Strive for Excellence and be Results Oriented.
• Attend and complete all required Bank training and specialized trainings relating to this specialty.
• Ensure full compliance at all times with the Banks BSA/AML and OFAC rules and regulations.

SUPERVISORY DUTIES:

Manages three subordinates. Is responsible for the overall direction, coordination, and evaluation of the department. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

BSA COMPLIANCE

I understand and acknowledge that, in addition to the duties outlined in this job description, I am also responsible for ensuring that I perform my duties in full compliance with all of the bank’s Bank Secrecy Act, Anti-Money Laundering, and OFAC policies and procedures as well as related Federal Laws and Regulations. Furthermore, I understand that I must create and foster a culture of BSA, AML, and OFAC Compliance within the institution. Lastly, I agree to address all questions I may have about the Bank’s BSA/AML/OFAC Program to the Bank’s BSA Department.

DESIRED SKILLS AND EXPERIENCE:

• Minimum 5 years of experience as a lender with a South Florida based bank.
• Bachelor’s degree in business, Finance or related field.
• Strong interpersonal and sales skills.
• Strong verbal and written communication skills.
• Bilingual (English/Spanish) ability is preferred.
• Sound credit and analytical skills related to loan screening and underwriting.
• Excellent presentation skills and public speaking ability.

TRAVEL REQUIREMENTS:

Travel is required but mainly locally, to develop new relationships, to strengthen existing relationships and to comply with BSA regulations.

COMPETENCIES:

• Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs workflows and procedures.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
• Project Management - Develops project plans; Completes projects on time and budget.
• Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.
• Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
• Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
• Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
• Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests.
• Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
• Cost Consciousness - Works within approved budget; Contributes profits and revenue; Conserves organizational resources.
• Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Promotes a harassment-free environment.
• Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
• Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
• Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.
• Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
• Motivation - Achieves challenging goals; Measures self against standard of excellence; Takes calculated risks to accomplish goals.
• Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Devel…
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
• Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
• Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.
• Safety and Security - Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly.
• Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
• Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
• Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.
• Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
• Innovation - Meets challenges with resourcefulness; Generates suggestions for improving work.

PHYSICAL REQUIREMENTS:

• Interpret complex laws, regulations, and/or policies.
• Calculate figures and amounts.
• Analyze financial and statistical data
• Ability to travel locally.
• Use computer equipment for up to 90 percent of the workday.
• Ability to carry up to 10 pounds.
• Access files by standing, bending or stooping.

WORK ENVIRONMENT:

• Job is performed in an office environment with moderate noise level