Commercial Banker - Miami

About the role

The primary focus of a Commercial Banker is to leverage their talents and passion in connecting business owners and community leaders to drive growth and economic prosperity. Collaborate with line-of-business partners to develop and administer the client’s entire relationship with Seacoast. Examine, evaluate, authorize, and recommend approval of customer applications for commercial loans. Manage regional credit issues, including portfolio administration and sales efforts. Actively engage in the community to support and promote the bank. Responsible for overall profitability and achieving sales goals across all product lines.

Responsibilities

• Attend to the needs of customers seeking financial services.
• Interview customers and prospects to develop information concerning their businesses or personal needs, desires, abilities, and earnings to determine strategy or other financial services as appropriate.
• Make decisions on loans and terms within own lending limits, or make recommendations on significant loans to the Commercial Banking Executive.
• Refer business to other officers, as appropriate, to meet customer needs.
• Develop and maintain a book of business.
• Actively engage with Line-of-Business Partners to identify referral business to expand and deepen existing customer relationships.
• Collaborate with Line-of-Business Partners to promote and position the Bank in the community.
• Assume total responsibility for ongoing monitoring of all assigned accounts, including:
  • Understand changes in the loan risk profile.
  • Monitor borrowers’ compliance to the loan documents.
  • Obtain and review any required documentation or reports in a timely fashion.
  • Monitor loan payments.
  • Perform annual reviews on a regular basis.
• Study industrial, commercial, and financial situations relating to new and existing businesses.
• Identify and report problem credits to Director or Manager.
• Coordinate problem loan administration with Commercial Banking Director or Manager, Line-of-Business Executive, or Special Assets Administrator.
• Adhere to the highest legal and ethical standards, Seacoast Bank’s Code of Conduct, and all government regulations, laws, and bank policies and procedures.
• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree in Business Administration, Economics, Finance, or related major.
• 5+ years of related experience in business development, business analytics, and diagnosis obtained through commercial lending sales and portfolio management.
• 2+ years of financial services experience in related business lines that developed/served business client relationships, including: Treasury Management, Wealth Management, and Consumer Banking.
• Demonstrated record of relationship building with business, civic, and governmental organizations.
• Currently established within the market, with reputation and followership in place.