Middle market Banker

Job Summary

The Middle Market Banker is responsible for developing and managing a portfolio of commercial clients, with a focus on both lending and deposit growth. This role involves cultivating new business relationships, deepening existing client engagements, and delivering customized financial solutions. The ideal candidate brings a transportable book of business, deep knowledge of credit structures, and a consultative sales approach. The position requires a strong emphasis on relationship management, credit analysis, and proactive client engagement to support the bank’s growth and profitability goals.

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Essential Duties & Responsibilities:

Build, manage, and grow a portfolio of middle market commercial clients with an emphasis on loans and deposits.
Regularly meet with existing and prospective clients to assess financial needs, recommend solutions, and position bank products and services.
Identify opportunities for cross-selling and deepening relationships through tailored financial advice and services.
Serve as the primary point of contact for clients, ensuring high levels of satisfaction and responsiveness.
Interview clients and analyze their financial structure and creditworthiness to develop suitable credit solutions.
Prepare and present loan proposals for approval, including credit analysis, financial statement review, collateral evaluation, and risk assessment.
Collaborate with credit and underwriting teams to structure loan packages that meet both client and bank risk requirements.
Monitor the performance of loans, track key metrics, and ensure compliance with bank policies.
Oversee client account activity, including reviewing overdraft reports, non-performing loans, and direct liabilities.
Follow up on credit performance issues and refer concerns to management when necessary.
Ensure all client interactions, loan documentation, and transactions comply with regulatory requirements and internal procedures.
Maintain accurate records of client meetings and call reports.

Minimum Requirements:

High School Diploma or equivalent required; Bachelor’s Degree in Business, Finance, or related field preferred.
Fluent in both English and Spanish
Minimum of 7 years of experience in commercial banking, including credit underwriting and portfolio management.
Established and portable book of middle market business clients in South Florida preferred.
Strong sales acumen with a demonstrated ability to originate and close new business.
Proficiency in financial statement analysis, loan structuring, and risk assessment.
Excellent interpersonal, communication, and relationship-building skills.
Ability to work independently and in a team environment under minimal supervision.

Middle market Banker

Job Summary

Essential Duties & Responsibilities:

Minimum Requirements:

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