SVP, Relationship Manager - Commercial & Industrial; Miami-Dade

Job Title

SVP, Relationship Manager – Commercial & Industrial

Banesco USA is seeking an SVP, Relationship Manager for our Commercial & Industrial unit in Miami-Dade County.

• Responsible for business development activities and generation of new commercial & industrial loans.
• Interviews prospective applicants and request information related to the loan or credit application, corresponds with the applicants and resolves any questions in regards to the application.
• Performs a pre-qualification assessment and analysis of the financial condition and risk of the loan request within the framework of the Bank’s credit appetite.
• Gathers and analyzes information necessary to present a financing request to Management and/or Loan Committee for approval; meets with existing or potential customers, visiting sites of the loans, negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.
• Coordinates the process of approved loans, ensuring loans are processed according to agreement, customer documentation are in the files, solves issues related to the processing and servicing of the loans and approves loan disbursements in accordance to the approved agreements.
• Responsible for performing the entire loan process: negotiation, underwriting and coordinating the closing of commercial & industrial loans.
• Responsible for negotiating, underwriting and processing renewals of credit facilities.
• Monitors the loan portfolio to ensure safety and soundness and takes the necessary actions to remedy any deficiencies or gather missing documentation.
• Responsible for adhering to the Bank’s policies and procedures regarding lending, credit, BSA and any other policy.
• Maintains good customer relationships and seeks cross-selling opportunities and takes a proactive approach of retaining existing customers fostering the customer relationships.
• Responsible for the administrative portion of the customer relationship reviewing NSF, overdraft, wire transfer, BSA requirements, etc.
• Responsible for completing annual training program assigned.
• Performs other functions and/or duties as assigned.

• Education:
  
  Bachelor’s degree in Business Administration preferred or equivalent experience.
• Experience:
  
  Ten (10) years of experience as a Commercial Lender.
• Commercial & Industrial lending experience required.
• Advance computer skills including but not limited to proficiency in Microsoft Office (Word, Excel, Power Point, etc.)
• Strong verbal and written communication skills, ability to communicate at all levels of the organization.
• Strong customer service skills, ensuring satisfaction of both internal and external customers.
• Strong attention to detail and accuracy.
• Ability to multi-task, with strong organization, time-management and prioritizing skills.
• Ability to work in a team environment, in order to ensuring compliance with department procedures.
• Knowledge of related State and Federal banking compliance regulations and operational policies.
• Ability to understand and comprehend instructions, procedures and policies ensuring compliance with the Bank’s policies and procedures.
• Advanced knowledge of lending and compliance regulations, and other Bank lending policies.
• Problem solving and analytical skills in order to identify problems and present them to the appropriate parties.

• Competitive base salary plus variable compensation
• Paid time off.
• 401k with employer match.
• Tuition reimbursement.
• Paid parental leave.
• Medical, Dental, Vision.
• Life Insurance.
• Supplemental Insurances.
• Short-Term & Long-Term Disability Benefits.
• Free parking.
• On-site cafeteria.

Banesco USA is part of Banesco International, a worldwide group of financial institutions with presence in 6 countries.

As a corporation in continuous evolution, we promote the ongoing professional and personal development of our employees, by embracing challenges and adapting to the changing environment of today’s world. We aim to develop integral human beings, committed to making a difference at the workplace and out in the world.

Our actions are rooted in our Values:
Reliability, Responsibility, Quality and Innovation. We believe that we all have the same ability to transform our daily tasks into significant contributions, and therefore, Leave Our Mark.

At Banesco USA, one of our most valued assets is our enthusiastic team, which strives every day to create a world-class organization in an ever-changing world. Together, our team has made us a market leader and we invite you to join us.