Commercial Banking Associate

About the Role

The Commercial Banking Associate Program is designed for new graduates, offering a structured start to a banking career with a focus on group dynamics and consistency. After an initial 6-month onsite training period in Tampa, FL, associates will return to their local market.

This hourly role equips individuals to acquire new Business Banking clients and enhance existing relationships. Key areas of focus include commercial term loans, lines of credit, cash management, treasury services, owner-occupied and investment real estate loans, and SBA-guaranteed loans. Associates will collaborate with commercial banking staff and sales partners to build knowledge and sales capabilities. Opportunities exist to meet various lines of business leaders and work on projects for broader exposure and impact.

Role starts January 11, 2027

Key Responsibilities

• Credit and Underwriting:
• Learn and understand financial spreads and their practical application.
• Assist in evaluating credit applications by analyzing financial statements, credit reports, and other data to assess risk and creditworthiness.
• Prepare preliminary underwriting documents and structure loan proposals.
• Assist in monitoring and managing assigned client portfolios, tracking loan performance, identifying potential risks, and recommending solutions.
• Conduct periodic reviews of client accounts to ensure alignment with financial goals and bank standards.
• Relationship Management:
• Facilitate the loan origination process by gathering and verifying client documentation, ensuring compliance with bank policies and regulatory requirements.
• Learn from internal teams to streamline loan approvals and closings.
• Build and maintain relationships with Retail, Small Business Banking, Business Banking, Middle Market, and Commercial clients by addressing inquiries, providing tailored financial solutions, and ensuring high-quality service.
• Collaborate with sales partners to identify and pursue new business opportunities, including prospecting for potential clients.
• Assist in preparing presentations and proposals to attract new clients and expand market presence.
• Develop sales acumen to contribute to business growth and client retention.
• Project Collaboration:
• Participate in cross-functional projects with various lines of business (e.g., product development, process improvements, market analysis) for broader exposure to banking operations.
• Engage with business line leaders to understand strategic priorities and contribute to team initiatives.
• Learning and Development:
• Complete all prescribed compliance courses.
• Actively participate in training sessions to develop technical skills in financial analysis, credit risk assessment, and treasury services.
• Build product knowledge in commercial term loans, lines of credit, cash management, owner-occupied and investment real estate loans, and SBA-guaranteed loans.
• Attend leadership training.
• Sales Support:
• Work closely with commercial banking staff to support sales efforts, including preparing client pitches and identifying cross-selling opportunities for treasury services and other banking products.
• Develop sales acumen to contribute to business growth and client retention.

Requirements & Tech Stack

• Bachelor’s degree within the last 2 years.
• Minimum GPA of 3.4, preferred.
• Previous internship experience, preferably in finance, banking, or a related field.
• Strong analytical, organizational, and interpersonal skills.
• Ability to work collaboratively in a dynamic, fast-paced, team-oriented environment.
• Proficiency in Microsoft Office Suite.
• Familiarity with financial modeling or banking software is a plus.

Training Requirements/Classes

• Required annual compliance training
• New Employee Orientation

Work Environment

• This position is onsite in an office environment, 5 days a week.
• 40 hours per week.

Location

• 400 North Ashley Drive Suite 2900 Tampa, Florida 33602

Progression

Upon successful completion of the program, associates are expected to progress/transition to the Commercial Portfolio Analyst Role for a period of 6 - 18 months.