Commercial Real Estate Associate

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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!

The Commercial Real Estate Associate in partnership with Senior CRE Bankers and Commercial Directors, manages and expands Commercial Real Estate (CRE) banking relationships while developing relationship management, business development, credit, and portfolio management expertise. The role contributes to market growth and business objectives through client engagement, business development, credit analysis, portfolio management, risk identification, collateral monitoring, and adherence to loan covenants. As an individual contributor sales role, the incumbent exercises sound judgment within established authority and ensures compliance with the Bank's risk and credit grading standards.

What You'll Do:

• Consistently meets and exceeds individual and team goals, including but not limited to deposits, loans, fee income, treasury management referrals, client retention, and other applicable metrics, demonstrating a strong focus on business outcomes.
• Independently evaluates and analyzes complex CRE financial and credit information to assess creditworthiness, identify opportunities, and make informed recommendations that impact lending decisions.
• Makes determinations regarding the scope of documentation and information required to evaluate the client’s financial standing, creditworthiness, collateral support, and proposed transaction within established authority and Bank credit standards.
• Independently expands existing relationships and solicits new business through client referrals, prospecting, networking, and proactive outreach, while developing the relationship management capabilities associated with a Relationship Manager role.
• Provides strategic support to assigned Senior CRE Bankers and Commercial Directors in managing existing client relationships, including meeting preparation, relationship summaries, call plans, follow-up items, and internal coordination.
• Engages with new and existing clients and prospects through meetings, calls, and business development activities, initially in partnership with senior bankers and with increasing responsibility based on demonstrated proficiency, while collaborating with internal and external stakeholders to resolve complex CRE banking and transaction matters.
• Reviews and analyzes relationship assessments, profitability, deposit opportunities, treasury management needs, cross-sell opportunities, and client service trends to enhance client retention and support the achievement of sales goals.
• Acts as a consultant to clients, prospects, CRE Bankers, and internal partners, developing and implementing tailored banking solutions aligned with client needs, Bank policy, credit standards, and market conditions.
• Conducts comprehensive client, prospect, property, sponsor, and relationship analyses and prepares prescreen materials, credit memoranda, relationship assessments, and credit grading information.
• Independently researches and prepares market information, property and sponsor summaries, pipeline updates, proposal materials, and client-facing presentations that support business development and client objectives.
• Oversees assigned credit and portfolio activities, including underwriting coordination, renewals, annual reviews, covenant compliance, collateral monitoring, risk identification, and credit grading within established authority.
• Collaborates with Credit, Loan Administration, Legal, Treasury Management, BSA/KYC, Compliance, Appraisal, Environmental, and other stakeholders to facilitate loan approvals, documentation, closing, booking, renewals, and post-closing requirements.
• Prepares and maintains portfolio reports, pipeline reports, exposure summaries, client contact lists, management updates, and other information required by CRE leadership to drive decision-making.
• Completes required credit, sales, risk, compliance, and Bank training programs and remains current on industry standards, internal policies, and regulatory expectations.
• Proactively identifies new business opportunities, portfolio risks, client needs, process improvements, and operational efficiencies and escalates matters to appropriate stakeholders for timely resolution.
• Performs other duties and responsibilities as assigned, reflecting a commitment to the organization’s goals and objectives.

• 2+ years of credit experience at a bank or financial institution, such as credit analyst, underwriter, portfolio manager, credit officer, or commercial lending support.
• Knowledge of commercial real estate banking, commercial lending, credit analysis, portfolio management, and risk management principles.
• Knowledge of CRE financial concepts, including cash flow analysis, net operating income, debt service coverage, collateral valuation, and market conditions.
• Knowledge of commercial banking products and services, including loans, deposits, treasury management, and related banking solutions.
• Knowledge of banking regulations, credit policies, compliance requirements, and risk management practices applicable to commercial lending.
• Skilled in analyzing complex financial and credit information to assess creditworthiness, identify opportunities, and make informed recommendations that impact lending decisions.
• Skilled in business development, relationship management, prospecting, and networking activities that support portfolio growth and client retention.
• Skilled in preparing and presenting credit, financial, and relationship recommendations to senior bankers, clients, and internal stakeholders.
• Skilled in verbal and written communication, including participating in meetings with senior bankers, clients, prospects, and business partners.
• Ability to exercise sound judgment and discretion when evaluating financial and credit information and making recommendations within established authority.
• Ability to build and maintain effective relationships with clients, prospects, senior bankers, and internal partners.
• Ability to identify business opportunities, portfolio risks, client needs, and appropriate banking solutions.
• Ability to effectively participate in client and prospect meetings, communicate recommendations, and represent the Bank in relationship management and business development activities.
• Ability to work independently while managing multiple priorities, projects, deadlines, and portfolio-related responsibilities.

• Bachelor's Degree in in Finance, Business Administration, or a related field; relevant certifications (e.g., Credit Analyst certification) are a plus.

• 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 talent.attraction@citynational.com 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.