What are the responsibilities and job description for the VP; Relationship Manager - PCS position at Ocean Bank?
Overview
Join Ocean Bank’s Private Client Services team as a VP, Relationship Manager – PCS focused on commercial lending within the Wealth Management Division. In this role, you’ll build and deepen relationships with business owners and high-net-worth clients, originate and structure commercial real estate, commercial and industrial, and home equity lending solutions, and manage a portfolio of lending and deposit relationships. You’ll partner with Wealth Management colleagues to identify opportunities, deliver a high level of client service, and support sound credit quality.
Responsibilities
- Develop new commercial lending relationships with business owners and high-net-worth clients through prospecting, networking, referrals, and collaboration with Wealth Management colleagues.
- Prospect and meet regularly with potential customers outside of the office to originate commercial loan opportunities and sell credit solutions and related banking services.
- Originate and structure commercial real estate (CRE), commercial and industrial (C&I), and home equity line of credit (HELOC) loans to meet client needs and support lending goals.
- Manage and expand a portfolio of commercial loan and deposit relationships, serving as a primary contact for clients’ commercial lending needs.
- Partner with Wealth Management relationship managers and other bank teams to identify opportunities and deliver coordinated banking solutions.
- Conduct preliminary credit and financial analyses, and guide loan requests through underwriting, approval, and closing.
- Monitor portfolio performance, loan covenants, maturities, and borrower performance; identify and address emerging credit concerns.
- Maintain an active lending pipeline and work with Credit and Loan Operations teams to execute transactions while meeting lending policies and regulatory requirements.
- Perform due diligence on the BSA/KYC (Know Your Customer) write-ups and profile; conduct customer interviews to profile them as well as to comply with BSA, KYC and other bank policies and procedures. Respond to BSA requests.
- Continually identify and analyze new products and/or initiatives that would enhance the service provided to the customer.
Qualifications
Education/Experience:
Requirements
Combination of education and experience will be considered.
Soft Skills
Preferred Experience
- Strong network within the South Florida business community.
- Formal credit training and / or experience in commercial, consumer or real estate lending.
- An established client portfolio.
Licenses/Certifications
- None
Job Posting Locations
In this role you can work hybrid from Miami, Florida, United States