City National Bank of Florida · 17 hours ago
Wholesale Portfolio Management Officer
Miami, FL
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expCity National Bank of Florida is seeking a Wholesale Portfolio Management Officer responsible for underwriting, managing, and growing a credit portfolio while ensuring compliance with bank policies. The role involves proactive portfolio management, building client relationships, and collaborating with internal partners to identify risks and maintain asset quality.
BankingCommercial LendingConsumer LendingFinanceFinancial Services
Responsibilities
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 Bank’s 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 Bank’s 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 client’s growth and the Bank’s 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
Qualification
Required
10+ years with demonstrated expertise in complex credit portfolios
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
Bachelor's Degree in Finance, Accounting, Business Administration, Economics
An equivalent combination of education and relevant professional experience may be considered in lieu of a degree
Preferred
Completion of formal credit training preferred
Company
City National Bank of Florida
City National Bank is a financial institution that offers banking products and services to businesses, healthcare, and individuals.
501-1000 employees
H1B Sponsorship
City National Bank of Florida has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (5)
2024 (1)
2023 (3)
2022 (4)
2021 (3)
2020 (3)
Funding
Current Stage
Late StageLeadership Team
Jorge Gonzalez
CEO & Vice Chairman of the Board
R
Rafael Barrera Renault
Executive Vice President, Chief Human Resources Officer
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