VP; Relationship Manager - PCS

Overview

Join Ocean Bank’s Private Client Services team as a VP, Relationship Manager – PCS focused on commercial lending within the Wealth Management Division. In this role, you’ll build and deepen relationships with business owners and high-net-worth clients, originate and structure commercial real estate, commercial and industrial, and home equity lending solutions, and manage a portfolio of lending and deposit relationships. You’ll partner with Wealth Management colleagues to identify opportunities, deliver a high level of client service, and support sound credit quality.

Responsibilities

• Develop new commercial lending relationships with business owners and high-net-worth clients through prospecting, networking, referrals, and collaboration with Wealth Management colleagues.
• Prospect and meet regularly with potential customers outside of the office to originate commercial loan opportunities and sell credit solutions and related banking services.
• Originate and structure commercial real estate (CRE), commercial and industrial (C&I), and home equity line of credit (HELOC) loans to meet client needs and support lending goals.
• Manage and expand a portfolio of commercial loan and deposit relationships, serving as a primary contact for clients’ commercial lending needs.
• Partner with Wealth Management relationship managers and other bank teams to identify opportunities and deliver coordinated banking solutions.
• Conduct preliminary credit and financial analyses, and guide loan requests through underwriting, approval, and closing.
• Monitor portfolio performance, loan covenants, maturities, and borrower performance; identify and address emerging credit concerns.
• Maintain an active lending pipeline and work with Credit and Loan Operations teams to execute transactions while meeting lending policies and regulatory requirements.
• Perform due diligence on the BSA/KYC (Know Your Customer) write-ups and profile; conduct customer interviews to profile them as well as to comply with BSA, KYC and other bank policies and procedures. Respond to BSA requests.
• Continually identify and analyze new products and/or initiatives that would enhance the service provided to the customer.

Qualifications

Education/Experience:

Requirements

• Bachelor’s Degree in Business Administration, Accounting or Finance.
• Five (5) years of banking-related experience in product sales and lending.
• Knowledgeable in bank operations, new accounts, relationship management, payment processing, wire transfers, debits/credits, overdraft/uncollected management, past due loan management, and related activities.
• Ability to visit prospective clients within a designated market area to achieve sales objectives is required.

Combination of education and experience will be considered.

Soft Skills

• Demonstrated success originating commercial loans and developing commercial banking relationships.
• Strong commercial credit underwriting and financial analysis skills.
• Proven business development and relationship management capabilities.
• Ability to originate and structure complex commercial credit transactions.
• Deep understanding of commercial lending products, credit policy, and regulatory requirements.
• Advanced understanding and experience with commercial banking or private banking relationships and experience interacting with high-net worth clients.
• Ability to work effectively with high-net-worth individuals, business owners, and professional advisors.
• Strong presentation, negotiation, and communication skills.
• Ability to develop business through both direct calling efforts and in-person meetings/ networks.
• Demonstrated ability to manage multiple priorities while maintaining exceptional client service.
• Computer proficiency in MS Software (e.g. Excel, Word, and Outlook).

Preferred Experience

• Strong network within the South Florida business community.
• Formal credit training and / or experience in commercial, consumer or real estate lending.
• An established client portfolio.

Licenses/Certifications

• None

Job Posting Locations

In this role you can work hybrid from Miami, Florida, United States