SVP, Private Client CRE Lending Officer - RJ Bank

Job Description Summary

This is a unique opportunity to build upon Raymond James Bank’s private client CRE lending presence across the Western U.S. As the West Coast’s Senior Private Client CRE Lending Officer, you will serve as the primary banking partner to top-tier Financial Advisors and their HNW/UHNW clients, with significant autonomy, national support, and long-term franchise-building potential.

The CRE Business Unit focuses on institutional-quality lending, including syndicated loan arrangements secured by both Project Secured Loans and facilities to Real Estate Investment Trusts, as well as direct lending efforts to RJF clients.

• Under minimal supervision and with a high level of autonomy, the SVP /
  Senior Private Client Lending CRE Officer will use extensive CRE Lending experience to originate, structure, underwrite, and manage customized CRE Lending solutions for HNW and UHNW clients of Raymond James. This role works directly with Private Client Group (PCG) clients and Raymond James Financial Advisors (FAs) on the direct platform, with primary geographic responsibility for Western States.
• Originate, structure, and manage direct CRE lending solutions to HNW and UHNW clients.
• Serve as the primary CRE lending and resource for Financial Advisors platforming the western U.S., providing deal consultation, education, and ongoing relationship support.
• Lead lending transactions end-to-end, including opportunity assessment, borrower and guarantor analysis, collateral evaluation, structuring, pricing, negotiation, and closing.
• Analyze complex financial information, including personal financial statements, business cash flows, tax returns, trusts, partnerships, LLCs, corporations, and other specialized entities.
• Partner with credit associates, and risk partners to prepare credit approval memoranda, conduct due diligence, and ensure compliance with Raymond James Bank credit policies and risk parameters.
• Develop and maintain a robust origination pipeline through proactive engagement with Western States FA leadership and top-producing advisors.
• Exercise sound credit judgment and, where applicable, delegate credit authority in recommending or approving loan structures within established limits.
• Build, manage, and grow a high-quality loan portfolio while maintaining strong credit discipline, proactive risk management, and ongoing covenant monitoring.
• Identify opportunities to expand relationships through deposits, treasury services, and other bank and affiliate solutions.
• Clearly communicate complex credit concepts and decisions to clients, Financial Advisors, and internal partners, including proposing alternative structures when necessary.
• Establish and maintain effective working relationships across Wealth Management, Credit, Risk, Legal, and other internal teams.
• Maintain current knowledge of lending products, credit policies, regulatory requirements, and market trends impacting private client lending.
• Perform other duties and responsibilities as assigned.

• Advanced principles, practices, and procedures of private client, tailored, and commercial lending.
• Credit underwriting standards, financial spreading, credit approval memoranda, covenant structures, and portfolio management.
• Analysis of lending solutions supported by securities, restricted stock, life insurance, and other complex collateral types.
• Financial markets, banking products, and wealth management strategies applicable to HNW and UHNW clients.
• Credit policies, risk management frameworks, and regulatory requirements.

• Analyzing complex financial information and determining creditworthiness.
• Structuring and pricing customized loan solutions.
• Consultative sales, negotiation, and relationship management.
• Written and verbal communication of complex concepts to sophisticated clients and advisors.
• Managing multiple priorities with strong attention to detail in a fast-paced environment.
• Operating standard office equipment and required software applications.

• Build and maintain trusted relationships with Financial Advisors, Private Client Group clients, and internal partners.
• Work…