Wholesale Portfolio Risk Officer Senior

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) with matching

Paid Time Off & Holidays

Wellness resources

Job summary

City National Bank of Florida in Coral Gables is seeking a Senior Wholesale Portfolio Risk Officer to lead Commercial & Industrial and Commercial Real Estate underwriting, manage end-to-end debt packaging, and strengthen client relationships.

This role requires deep credit discipline, independent cash flow analysis, and collaboration with Relationship Managers to ensure sound lending decisions within approved authority.

Qualifications

• More than 10 years of corporate/commercial banking experience or equivalent.
• Completion of formal credit training is a critical prerequisite.
• Strong communication and analytical/technical skills, including financial accounting and loan structuring.
• Demonstrated business calling and negotiation experience.

Responsibilities

• Underwrite Commercial & Industrial and Commercial Real Estate loans with sound lending decisions.
• Make decisions within delegated authority based on cash flow analysis and risk guidelines.
• Deliver end-to-end debt product to client management process within Wholesale Lines of Business.
• Partner with Relationship Managers to manage client relationships.
• Lead due diligence, credit package production and approval processes.

Skills

Corporate/commercial banking

Financial analysis

Loan structuring

Communication skills

Negotiation experience

Education

Bachelor's degree in business-related field

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 Risk Officer Sr, handles client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. The incumbent is responsible for commercial & industrial underwriting and commercial real estate underwriting. The incumbent takes the lead where debt product opportunities are identified to meet client's needs 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. This position does not involve residential or consumer mortgage underwriting.

Principal Duties And Responsibilities

• Primary duties and responsibilities include Commercial & Industrial and Commercial Real Estate underwriting of new loans to render sound lending decision, 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 determination of loan structure by automated systems, the incumbent is responsible for making sound decisions within their delegated lending authority and making recommendations for loans requiring higher levels of delegated approval authority, based upon their own independent analysis and interpretation of cash flows, and banking lending risk guidelines (100% manual non-automated Commercial & Industrial and Commercial Real Estate underwriting).
• Directly responsible for delivering on a timely basis the end-to-end debt product to the client management process by underwriting all new loan requests primarily within the Wholesale Lines of Business (Corporate Banking, Business Banking and Private Client Group). At times, the incumbent will also support PBB LOB (Retail), as well.
• Effectively partners with Relationship Manager(s).
• Leads due diligence, credit package production and approval process. An integral part of this process is the ability to interact with the client either via phone and/or in person.
• Demonstrates broad knowledge of the client’s industry; is aware of benchmarks, standards, methodologies and structures; has up to date knowledge of client industry practices and processes; keeps abreast of trends and development.
• The incumbent is responsible for ensuring underwriting risk management processes are executed consistently, efficiently and effectively.
• Works with client team in providing as needed support with Treasury Management, Loan Operations, etc. in connection with assigned relationships.
• Accountable for asset quality by underwriting within the bank’s policies, guidelines and risk tolerances.
• Ensures with the assistance of FinServ that credit events and monitoring information is entered accurately into appropriate systems.
• Responsible for adherence to credit policies, guidelines and applicable regulatory requirements.

Qualifications

• More than 10 years of corporate/commercial banking experience or equivalent. Required
• Completion of formal credit training is a critical prerequisite. Required
• Strong communication and analytical/technical skills are required, including financial accounting and loan structuring.
• Demonstrated business calling and negotiation experience are necessary.

Education

• Bachelor's Degree in a business-related major from an accredited college or university; or 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 more Benefits!

Join City National Bank of Florida. The possibilities are endless.

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.