Commercial Real Estate Banker

Commercial Real Estate Banker

Location: Miami, FL

Job Summary:

Balance credit quality of portfolio and loan growth. Assume total responsibility for monitoring portfolio and proactively works to identify weakness in loans to minimize the bank's exposure and reduce credit risk. Provide for close and personal attention to clients by understanding their overall goals and objectives while promoting and supporting the loan policies and strategic initiatives of the bank. Manage partnership with all Lines of Business for the successful development and administration of the client's entire relationship with Seacoast. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans, and effectively manage a commercial loan portfolio by performing the following duties. Provides guidance and assistance to junior lenders as needed.

Essential Duties and Responsibilities:

• Assumes total responsibility for on-going monitoring of all assigned accounts.
• Works on detected problems with senior lending officers and credit officers to minimize the bank's exposure.
• Interviews applicants and requests specified information for loan application.
• Works collaboratively with the credit department.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
• Approves loan within specified limits or refers loan to loan committee for approval.
• Assures timely loan closing and funding activities.
• Follows current loans in portfolio to ensure conformity and servicing with approved terms.
• Advises loan manager of external factors that may affect establishment lending policies.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
• Mentors junior level Commercial Lenders in development and analysis of financials, making decisions on loan terms, credit quality and portfolio management.
• Adhere to Seacoast Bank's Code of Conduct.

Education and/or Experience:

• Bachelor's degree (B. A.) from four-year college or university; 5+ years Commercial Real Estate lending experience and/or training; or equivalent combination of education and experience.
• Five + years commercial credit experience.
• Five + years commercial lending.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.