Wholesale Portfolio Risk Officer

City National Bank (CNB); Orlando (FL); On-site; USD 115,000 - 150,000; Full time

Job summary

City National Bank of Florida seeks a Wholesale Portfolio Risk Officer to oversee credit risk in the commercial portfolio. You will lead underwriting, structuring, and preparing credit packages for review and approval, while maintaining policy and guidelines.

You will manage a high-volume portfolio, analyze cash flows, monitor renewals, and collaborate with relationship managers to align data, trends, and risk with bank strategy.

Qualifications

• 5-10 years of small business banking credit risk and some small business lending experience.
• Completion of formal credit training.
• Strong communication and analytical/technical skills including financial accounting and loan structuring.
• Demonstrated business calling and negotiation experience.
• Exposure to multiple business lines with experience handling more complex transactions.
• Good interpersonal skills to work with banking professionals, risk staff, clients and auditors.

Responsibilities

• Underwrite Commercial and Industrial loans and real estate renewals, opening of new loans.
• Make decisions within lending authority with independent cash flow analysis.
• Manage wholesale risk portfolios and monitor renewals, servicing events and covenant checks.
• Prepare credit structures and final recommendations per bank policies and guidelines.
• Interface with relationship managers to develop a consistent view of portfolio trends.
• Drive analysis of business risks and portfolio profitability.
• Coordinate financial statement requirements and delivery timelines with clients.

Skills

Communication

Analytical

Credit risk

Loan structuring

Education

Bachelor's Degree in business or related major

Job description

Overview

The Wholesale Portfolio Risk Officer, ensures the overall quality of the portfolio is maintained. Handles the client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. Takes the lead where debt product opportunities are identified and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. Additionally, to maintaining and updating as necessary credit policy and underwriting guidelines for debt products for this line of business.

Principal Duties & Responsibilities:

• Primary duties and responsibilities include Commercial and Industrial Underwriting and Commercial Real estate renewals and opening of new loans to render a lending decision, portfolio loans while maintaining quality control of new loans which is essential to the sound business operations of the bank.

• Given the lack of automated systems and lack of automated preliminary decisions by scheduled systems for portfolio loans, you will be responsible to make sound decisions within own lending authority and makes recommendations for loans requiring exception approval authority, based on your own independent analysis and interpretations of cash flows, and banking lending risk guidelines (100% manual non-automated portfolio- Commercial, Industrial Underwriting; Consumer Underwriting and Commercial Real Estate underwriting).

• Responsible for the ongoing management of the Wholesale Risk portfolios including underwriting.

• Manages relationships via a master portfolio report for tracking all renewals, annual reviews, servicing events, covenant checks and borrowing base reports by relationship.

• Makes independent decisions on the creditworthiness of commercial clients of the Bank which includes: determining financial trends based on financial analysis; determining appropriate credit grading; determining, negotiating and finalizing appropriate credit structures; and providing independent recommendation of final credit decisions as per the Bank’s credit policies and guidelines.

• Work closely with lines of business to obtain supporting information and data to develop a consistent view of portfolio trends.

• Drives analysis of wide-ranging business risks that have financial impact and provide insight into trends in portfolio performance and profitability.

• Monitors portfolio activity for the following:

• 180 day Maturing Report

• Upcoming and Past Due Servicing tickler reports

• Upcoming and Past Due Financial Statement tickler reports

• Interface with Collateral Control Department for monthly borrowing base reports and field exams as required per loan approvals

• ACH Expiration Report

• Remote Deposit Capture Report

• Monthly Reconciliation of the loan policy exception waivers

• Coordinates the requisition of upcoming financial statement requirements from clients in conjunction with Wholesale Banking Relationship managers.

• Provides appropriate lead time to ensure compliance and to coordinate renewal or servicing timeframes are met.

• Manages high volumes of documents (financial statements) for upcoming portfolio events until documents have been reviewed, ticklers updated and uploaded in Web Director.

• Attends joint appointments.

• Required to visit Clients at place of business.

Qualifications

• 5-10 years of small business banking credit risk and some small business lending experience.
• Completion of formal credit training.

• Strong communication and analytical/technical skills are required, including financial accounting and loan structuring.

• Demonstrated business calling and negotiation experience are necessary.

• Exposure to multiple business lines is required with experience at handling more complex transactions.

• Good interpersonal skills are required to deal with banking professionals with various skill sets, risk management staff, clients and auditors.

Education

• Bachelor's Degree in business or any related major.

Special Instructions 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.