Commercial Banking Associate

About the Role

The Commercial Banking Associate Program is designed for new graduates to gain a structured start to their banking career, fostering group dynamics and consistency. After training, associates will return to their local market to advance their careers.

Key Responsibilities

• Develop expertise in underwriting, loan processing, portfolio management, and relationship management.
• Acquire new Business Banking clients and enhance existing relationships.
• Focus on commercial term loans, lines of credit, cash management, treasury services, owner-occupied and investment real estate loans, and SBA-guaranteed loans.
• Collaborate with commercial banking staff and sales partners to build knowledge and sales capabilities.
• Meet various lines of business leaders and work on projects to broaden exposure and impact.

Essential Functions

Credit and Underwriting

• Learn and understand financial spreads and their practical application to different tiers.
• 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.

Relationship Management

• Facilitate the loan origination process by gathering and verifying client documentation, ensuring compliance.
• Streamline loan approvals and closings.
• Build and maintain relationships with various client segments by addressing inquiries and providing tailored financial solutions.
• Collaborate with sales partners to identify and pursue new business opportunities.
• Assist in preparing presentations and proposals.
• Develop sales acumen to contribute to business growth and client retention.

Project Collaboration

• Participate in cross-functional projects with various lines of business.
• Engage with business line leaders to understand strategic priorities.

Learning and Development

• Complete all compliance courses as prescribed by job function.
• 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.

Requirements & Tech Stack

• Proficiency in Microsoft Office Suite.
• Familiarity with financial modeling or banking software is a plus.

Qualifications

• Bachelor’s degree graduated 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.

Program Details

• This role provides a comprehensive foundation for a successful career in commercial banking.
• Upon successful completion of the program, associates will progress/transition to the Commercial Portfolio Analyst role for a period of 6 - 18 months.
• Hourly role.
• Work environment: Onsite in an office environment, 5 days a week / 40 hours a week.
• Work Location: 2 Alhambra Plaza, Suite 100 Coral Gables, Florida 33134.

Training Requirements/Classes

• Required annual compliance training.
• New Employee Orientation.