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. 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 interview process, the use of AI wearables, AT tools, AI applications, or other external assistance is strickly prohibited. Accommodations If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at talent.attraction@citynational.com