Wholesale Portfolio Management Officer III

City National Bank of Florida; Miami (FL); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Health coverage

401(k) with match

Paid time off

Wellness resources

Job summary

City National Bank of Florida seeks a Wholesale Portfolio Management Officer to own underwriting and growth of a credit portfolio while ensuring risk controls and policy compliance. You will partner with Relationship Managers and cross-functional teams to optimize asset quality and client value.

Responsibilities include end-to-end portfolio ownership, covenant management in nCino, and preparing credit documentation.

Qualifications

• Formal credit training preferred.
• 10+ years in complex credit portfolios.
• Strong understanding of credit risk and underwriting standards.
• Data-driven decision making and problem solving.

Responsibilities

• Own end-to-end management of assigned portfolio; ensure timely actions.
• Analyze credit trends and portfolio metrics to identify risks.
• Prepare covenant waivers, credit approvals, and watch list plans.
• Conduct annual reviews and covenant tests.
• Collaborate with RMs, Portfolio Risk Officers, Credit Specialists, and Loan Operations.
• Support renewals and cross-sell opportunities using portfolio data.
• Provide data-driven insights on concentrations and risk exposures.

Skills

Credit risk analysis

Client relationship management

Portfolio management

Analytical decision making

Negotiation

Education

Bachelor's Degree in Finance/Accounting/Business

Tools

nCino

Microsoft Office

Salesforce/Elevate

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 Wholesale Portfolio Management Officer is responsible for underwriting, managing, and growing a credit portfolio while ensuring compliance with CNB policies. This role combines analytical credit expertise with proactive portfolio management to identify risks early and maintain asset quality. The PM also plays a key role in supporting renewals, extensions, and credit-related cross-sell opportunities. The PM builds strong client relationships through face-to-face (FTF) engagement, identifies opportunities for cross-selling, leverages analytics for decision-making, and collaborates with RMs, Portfolio Risk Officers, Credit Specialists, CSAs, Loan Operations, and other internal partners.

What You'll Do

• Drive end-to-end ownership of assigned portfolio; anticipate upcoming actions and ensure timely completion.
• Analyze credit trends and portfolio metrics to identify emerging risks and ensure compliance with the Bank's credit risk policies and regulatory standards.
  
• Manage financial tickler records daily through the nCino Covenant Management platform, ensuring timely collection and escalation of exceptions.
• Prepare detailed covenant waiver memoranda, credit approval documentation, and Watch List action plans with a focus on asset quality and recovery.
  
• Participate in reviews and examinations conducted by auditors, bank examiners, or internal loan review teams.
• Conduct annual reviews and covenant tests.
• Collect and analyze borrower financials to assess performance and recommend covenant waivers when applicable.
• Validate data accuracy for CECL and ALR reporting.
• Maintain accurate records, documentation, and reporting aligned with the Bank’s risk and compliance frameworks.
  
• Engage with clients directly through face-to-face meetings to discuss credit structures, covenant compliance, and financial performance.
• Attend client meetings with Relationship Managers to build rapport, assess business needs, and deepen client relationships.
  
• Serve as a trusted credit partner, translating financial insights into actionable recommendations that support both the client’s growth and the Bank’s credit strategy.
• Initiate renewals 150 days before maturity; ensure documentation is complete and accurate.
• Partner with RMs and Loan Operations to coordinate renewals, approvals, and bookings.
• Underwrite loans and produce CAMs for extensions/modifications for existing clients in the portfolio.
  
• Manage renewal and extension pipelines, proactively addressing bottlenecks or delays.
• Order appraisals, insurance, and environmental reviews; manage vendor deliverables.
  
• Partner with RMs to prepare for client meetings and support client engagement (target 80% of TCE FTF meetings).
• Use portfolio insights (EWS, ALR, pipeline data) to identify credit and deposit-related cross-sell opportunities.
• Build borrower trust to support independent credit discussions and deepen relationships.
• Provide data-driven insights to RMs and leadership on concentrations, industry exposure, and emerging risks.
• Work cross-functionally with Relationship Managers, Portfolio Risk Officers, Credit Specialists, Loan Operations, and other internal partners.
• Provide timely updates to the Risk Director and RMs on credit exceptions, delinquent items, and potential relationship opportunities.
• Execute ad hoc projects and risk-related analyses as assigned by the Risk Director or their designee.
  

Qualifications

• Credit Training: Completion of formal credit training preferred.
• 10+ years with demonstrated expertise in complex credit portfolios.
• Critical Competencies & Skills:
• Strong understanding of credit risk principles, financial analysis, and underwriting standards.
• Proficiency with nCino, Microsoft Office, and Salesforce/Elevate.
• Familiarity with banking products, lending structures, and regulatory requirements.
• Ability to build trust and credibility through Face to Face (in person) meetings and consultative interactions.
• Strong negotiation, presentation, and communication skills.
• Critical thinking to evaluate risk/reward scenarios.
• Data-driven decision-making and problem-solving analysis
• Effective partnership with Relationship Managers and internal stakeholders.
• Mentoring junior credit analysts and supporting team development.
• Balancing risk management with revenue generation.
• Identifying cross-sell opportunities and contributing to portfolio growth.

Education

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics.
• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

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 moreBenefits!

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.