What are the responsibilities and job description for the Lending Officer – Corporate Lending position at Ocean Bank?
Overview
The Lending Officer in Corporate Banking supports the growth and risk management of Commercial & Industrial (C&I) and Commercial Real Estate (CRE) portfolios. This role partners closely with Relationship Managers, Credit, and Underwriting to structure transactions, analyze credit risk, manage existing portfolios, and ensure compliance with internal credit standards and regulatory requirements. The ideal candidate brings strong financial analysis skills, sound credit judgment, and a collaborative approach to supporting client relationships.
Responsibilities
- Partner with Relationship Managers to structure C&I and CRE loan transactions.
- Meet with existing and prospective clients to understand financial needs and credit objectives.
- Perform initial financial analysis and deal screening prior to underwriting.
- Prepare deal summaries and assist with screening and approval presentations.
- Support ongoing portfolio monitoring, including credit quality and risk identification.
- Ensure opportunities align with internal portfolio management guidelines and credit standards.
- Assist with portfolio, pipeline, and credit reporting for senior and regional management.
- Prepare Deal Memorandums for commercial loan requests.
- Analyze borrower financial statements, cash flow, global debt service, liquidity, profitability, and solvency.
- Support the end-to-end credit process, including coordination with Credit and Underwriting teams.
- Track and support timely processing of credit requests, renewals, extensions, waivers, and modifications.
- Collect and validate financial and credit information to support accurate risk assessment.
- Provide portfolio, credit, and risk guidance to support responsible portfolio growth.
- Assist with annual credit reviews and ongoing financial reviews for assigned portfolios.
- Recommend renewal terms, covenant changes, structural enhancements, and risk mitigation strategies.
- Serve as a primary point of contact for loan closings and post-closing matters.
- Coordinate with Loan Closing and Legal teams to resolve documentation and structural issues.
- Ensure data integrity within loan systems and support regulatory and compliance requirements, including Regulation B.
- Monitor industry and market trends to identify potential portfolio risks.
Qualifications
Education/Experience:
Requirements
Combination of education and experience will be considered.
Skills & Competencies
Preferences
- None
Licenses/Certifications
- None
Job Posting Locations
In this role you can work hybrid from Miami, Florida, United States