Wholesale Portfolio Management Officer III

Overview

The Wholesale Portfolio Management Officer is responsible for underwriting managing and growing a credit portfolio while ensuring compliance with CNB policies. This role combines analytical credit expertise with proactive portfolio management to identify risks early and maintain asset quality. The PM also plays a key role in supporting renewals extensions and credit-related cross-sell opportunities. The PM builds strong client relationships through face-to-face (FTF) engagement identifies opportunities for cross-selling leverages analytics for decision-making and collaborates with RMs Portfolio Risk Officers Credit Specialists CSAs Loan Operations and other internal partners.

What Youll Do:

• Drive end-to-end ownership of assigned portfolio; anticipate upcoming actions and ensure timely completion.
• Analyze credit trends and portfolio metrics to identify emerging risks and ensure compliance with the Banks credit risk policies and regulatory standards.
  
• Manage financial tickler records daily through the nCino Covenant Management platform ensuring timely collection and escalation of exceptions.
• Prepare detailed covenant waiver memoranda credit approval documentation and Watch List action plans with a focus on asset quality and recovery.
  
• Participate in reviews and examinations conducted by auditors bank examiners or internal loan review teams.
• Conduct annual reviews and covenant tests.
• Collect and analyze borrower financials to assess performance and recommend covenant waivers when applicable.
• Validate data accuracy for CECL and ALR reporting.
• Maintain accurate records documentation and reporting aligned with the Banks risk and compliance frameworks.
  
• Engage with clients directly through face-to-face meetings to discuss credit structures covenant compliance and financial performance.
• Attend client meetings with Relationship Managers to build rapport assess business needs and deepen client relationships.
  
• Serve as a trusted credit partner translating financial insights into actionable recommendations that support both the clients growth and the Banks credit strategy.
• Initiate renewals 150 days before maturity; ensure documentation is complete and accurate.
• Partner with RMs and Loan Operations to coordinate renewals approvals and bookings.
• Underwrite loans and produce CAMs for extensions/modifications for existing clients in the portfolio.
  
• Manage renewal and extension pipelines proactively addressing bottlenecks or delays.
• Order appraisals insurance and environmental reviews; manage vendor deliverables.
  
• Partner with RMs to prepare for client meetings and support client engagement (target 80% of TCE FTF meetings).
• Use portfolio insights (EWS ALR pipeline data) to identify credit and deposit-related cross-sell opportunities.
• Build borrower trust to support independent credit discussions and deepen relationships.
• Provide data-driven insights to RMs and leadership on concentrations industry exposure and emerging risks.
• Work cross-functionally with Relationship Managers Portfolio Risk Officers Credit Specialists Loan Operations and other internal partners.
• Provide timely updates to the Risk Director and RMs on credit exceptions delinquent items and potential relationship opportunities.
• Execute ad hoc projects and risk-related analyses as assigned by the Risk Director or their designee.
  

Qualifications

• Credit Training: Completion of formal credit training preferred.
• 10 years with demonstrated expertise in complex credit portfolios.
• Critical Competencies & Skills:
• Strong understanding of credit risk principles financial analysis and underwriting standards.
• Proficiency with nCino Microsoft Office and Salesforce/Elevate.
• Familiarity with banking products lending structures and regulatory requirements.
• Ability to build trust and credibility through Face to Face (in person) meetings and consultative interactions.
• Strong negotiation presentation and communication skills.
• Critical thinking to evaluate risk/reward scenarios.
• Data-driven decision-making and problem-solving analysis
• Effective partnership with Relationship Managers and internal stakeholders.
• Mentoring junior credit analysts and supporting team development.
• Balancing risk management with revenue generation.
• Identifying cross-sell opportunities and contributing to portfolio growth.

Education

• Bachelors Degree in Finance Accounting Business Administration Economics.
• 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 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 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.

Required Experience:

Unclear Seniority