Commercial Banker III

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 stated 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, and nurturing internal relationships with, for example, 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: a) exceptional client service, and b) proactive portfolio management / credit quality through the Structured Credit Process.
• Demonstrates proficiency in the credit process, with a focus on the identification and screening of viable credit opportunities with full package submissions to the Credit Center (smaller credit opportunities) and 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 & problem solve, and convert incremental business opportunities to BankUnited.
• Works closely with Credit partners, Portfolio Managers, and Portfolio Administrators to ensure proactive management of the credit portfolio.
• 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 objectives.
• 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 on-going training.
• Collaborates with internal business partners to ensure full "cross-sale" penetration of client relationship.
• 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 (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
• Adheres to Bank policies and procedures and completes required training.
• Identifies and reports suspicious activity.

Qualifications

• Education: Bachelor's Degree or equivalent required
• Experience: 4-6 years of experience in Business Banking and/or Commercial Banking required
• Licenses and Certifications: Licensed Real Estate Agent preferred or Notary License preferred

Skills

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

Requirements

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