Commercial Banking Associate

About the Role

The Commercial Banking Associate Program is designed for new graduates with a 3.4 GPA or higher and prior internship experience. This program offers a structured start to a banking career, fostering group dynamics and consistency. After training onsite in Tampa, FL for the first 6 months, you'll return to your local market. This hourly role equips you to acquire new Business Banking clients and enhance existing relationships. With strong performance and available opportunities, progression to the Commercial Portfolio Analyst role and beyond is possible.

Key Responsibilities

Credit and Underwriting

• Learn and understand how financial spreads work and their practical application to different tiers.
• Assist in evaluating credit applications by analyzing financial statements, credit reports, and other relevant data to assess risk and creditworthiness.
• Prepare preliminary underwriting documents and structure loan proposals.
• Monitor and manage assigned client portfolios, including tracking loan performance, identifying potential risks, and recommending solutions to maintain portfolio health.
• 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 in the commercial banking sector.
• 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, such as product development, process improvements, or market analysis, to gain broader exposure to banking operations.
• Engage with business line leaders to understand strategic priorities and contribute to team initiatives.

Learning and Development

• Complete all compliance courses as prescribed by job function.
• Actively participate in training sessions to develop technical skills in areas like 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

• This is an onsite role requiring 40 hours a week in an office environment.
• Work Location: 4920 Bayou Blvd Pensacola, Florida 32503.
• Training: Onsite in Tampa, FL for the first 6 months, followed by return to local market.
• Required annual compliance training, New Employee Orientation.

Qualifications

• Bachelor’s degree within the last 2 years, with a minimum GPA of 3.4.
• 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.