Commercial Banker II

Location: Orlando, Florida

About the role

The Commercial Banker is primarily responsible for generating and maintaining portfolios of commercial loans and deposits, as well as providing client service, cross-sales, and retention of inherited and acquired bank relationships.

Responsibilities

• Originates, services, and grows a portfolio of commercial banking (credit and non-credit) relationships.
• Meets and exceeds individual goals via the full adoption of the commercial banking structured sales process, including:
  • Direct origination efforts
  • Managing a prospect portfolio
  • Owning key, segment-relevant centers of influence
  • Participation in relevant business networking organizations
  • Nurturing internal relationships with business banking and corporate banking
• Develops intimate knowledge of local $15–$100-million-dollar operating companies in A and B designated industries and maintains an active cadence of calling into pre-identified and researched "top 100" in-market targets, regularly adding new names to this list through active prospect research and calling.
• Manages a portfolio of inherited and originated credit and depository relationships, with a focus on:
  • Exceptional client service
  • Proactive portfolio management and credit quality through the Structured Credit Process
• Demonstrates proficiency in the credit process, including:
  • Identification and screening of viable credit opportunities
  • Full package submissions to the Credit Center (smaller credit opportunities)
  • Well-written, thorough pre-screen memorandums submitted via the OnePATHE process for custom channel (larger credits) deal submissions
• Delivers credit and non-credit product proposals, prepares for same with pre-call planning and joint calling techniques, takes a needs-dialogue approach to delivering client solutions, demonstrates independent ability to overcome objections and problem-solve, and converts incremental business opportunities to BankUnited.
• Works closely with Credit partners, Portfolio Managers, and Portfolio Administrators to ensure proactive management of the credit, including:
  • Focus on renewals well prior to any maturity
  • Timely annual review completion
  • Early problem identification
  • Loans with deteriorating credit trends are identified and escalated expeditiously to management and credit administration
• Possesses proficient knowledge of BankUnited credit policy, as well as credit and non-credit products the organization offers to prospective and existing clients.
• Achieves client and prospective client calling goals.
• Utilizes Bank contact management and sales tracking systems to retain prospective client names and records, as well as standard bank templates (such as term sheet template).
• Attends and actively participates in regularly scheduled division meetings and ongoing training.
• Collaborates with internal business partners to ensure full "cross-sale" penetration of client relationships.
• Works in corroboration with teammates and Bank partners to escalate their level of performance within the organization.
• Adheres to and complies with applicable federal and state laws, regulations, and guidance, including those related to anti-money laundering (e.g., Bank Secrecy Act, US PATRIOT Act).
• Adheres to Bank policies and procedures and completes required training.
• Identifies and reports suspicious activity.

Requirements

• Bachelor’s Degree or equivalent combination of education and experience required.
• 4–6 years of experience in Business Banking and/or Commercial Banking required.

Preferred Qualifications

• Licensed Real Estate Agent preferred.
• Notary License preferred.

Skills

• Must demonstrate consistent above-average sales skills and results relative to goals.
• Expert-level knowledge and implementation of sound credit risk and portfolio management skills.

Additional Information: Candidates residing in locations within BankUnited's footprint may be given preference.