IDB
Senior Lender CRE
IDB, North Miami Beach, FL
Company Description
For more than 70 years, IDB Bank has made it our mission to be the best bank for our clients by putting their needs first, and the success we've enjoyed fundamentally comes down to our people. Here at IDB, you'll work side by side with some of the most talented professionals in the industry who share a strong sense of teamwork and a passion for providing exceptional service down to the smallest detail. We offer a comprehensive benefits package that includes generous paid time off and the ability to participate in our medical coverage and 401(k) plan on your very first day with us. We are also committed to diversity and inclusion, and to providing all of our team members with an equal opportunity to succeed and make meaningful contributions within a work environment that is respectful, welcoming and inclusive.
Job Description
The Senior Lender CRE is responsible for managing a portfolio of commercial lending clients and developing new business relationships. They work closely with borrowers to understand their financing needs and evaluate the creditworthiness of potential borrowers.
Responsibilities:
- Oversee a portfolio of commercial lending clients, including managing existing loan relationships, monitoring loan performance, and conducting regular credit reviews.
- Identify and pursue new business opportunities, including prospecting for new clients, analyzing potential borrowers' financial statements, and assessing credit risk.
- Evaluate loan applications, financial statements, and other relevant documents to determine creditworthiness and assess appropriate loan structures.
- Build and maintain strong relationships with current and prospective clients, acting as their primary point of contact for all lending needs.
- Ensure loan compliance with established lending policies and procedures, conduct regular loan reviews, and manage any potential loan delinquencies or defaults.
- Work closely with other departments, such as credit administration, legal, and operations, to ensure seamless loan origination and servicing processes.
- Stay up-to-date with industry and market trends to identify lending opportunities and potential risks.
- Ensure all lending activities comply with relevant banking regulations and guidelines.
- Prepare and present periodic reports to senior management on portfolio performance, client relationships, and business development activities.
The Senior Lender CRE is responsible for managing a portfolio of commercial lending clients and developing new business relationships. They work closely with borrowers to understand their financing needs and evaluate the creditworthiness of potential borrowers.
Responsibilities:
- Oversee a portfolio of commercial lending clients, including managing existing loan relationships, monitoring loan performance, and conducting regular credit reviews.
- Identify and pursue new business opportunities, including prospecting for new clients, analyzing potential borrowers' financial statements, and assessing credit risk.
- Evaluate loan applications, financial statements, and other relevant documents to determine creditworthiness and assess appropriate loan structures.
- Build and maintain strong relationships with current and prospective clients, acting as their primary point of contact for all lending needs.
- Ensure loan compliance with established lending policies and procedures, conduct regular loan reviews, and manage any potential loan delinquencies or defaults.
- Work closely with other departments, such as credit administration, legal, and operations, to ensure seamless loan origination and servicing processes.
- Stay up-to-date with industry and market trends to identify lending opportunities and potential risks.
- Ensure all lending activities comply with relevant banking regulations and guidelines.
- Prepare and present periodic reports to senior management on portfolio performance, client relationships, and business development activities.
Qualifications
Bachelor's degree in finance, business administration, or a related field. Master's degree preferred.
- 8+ years of experience in commercial lending or a related field, with a focus on commercial Real Estate lending.
- Strong financial analysis skills, including the ability to assess the creditworthiness of borrowers and analyze financial statements.
- Excellent interpersonal and communication skills, with the ability to build and maintain relationships with clients and internal stakeholders.
- In-depth knowledge of credit and lending principles, as well as relevant banking regulations and guidelines.
Additional Information
The Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position, except where doing so would result in undue hardship to the Bank:
Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an accommodation. In each case, the Bank will engage in a good faith written or oral dialogue concerning the individual's accommodation needs; potential accommodations that may address the individual's accommodation needs, including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer.
The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue, the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or denied. In addition, the Bank will maintain any information regarding the employee's request and status in the strictest confidence, except as requested by the employee, as required on a need-to-know basis or as otherwise required by law.
Disclaimer
The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
All your information will be kept confidential according to EEO guidelines.
We are operating on a hybrid schedule.
IDB BANK, INCLUDING ITS SUBSIDIARIES AND DIVISIONS, PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, NATIONAL ORIGIN, AGE, DISABILITY, GENETIC STATUS, CITIZENSHIP STATUS, MARITAL STATUS, MILITARY OR VETERAN STATUS, CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL, STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.
For more than 70 years, IDB Bank has made it our mission to be the best bank for our clients by putting their needs first, and the success we've enjoyed fundamentally comes down to our people. Here at IDB, you'll work side by side with some of the most talented professionals in the industry who share a strong sense of teamwork and a passion for providing exceptional service down to the smallest detail. We offer a comprehensive benefits package that includes generous paid time off and the ability to participate in our medical coverage and 401(k) plan on your very first day with us. We are also committed to diversity and inclusion, and to providing all of our team members with an equal opportunity to succeed and make meaningful contributions within a work environment that is respectful, welcoming and inclusive.
Job Description
The Senior Lender CRE is responsible for managing a portfolio of commercial lending clients and developing new business relationships. They work closely with borrowers to understand their financing needs and evaluate the creditworthiness of potential borrowers.
Responsibilities:
- Oversee a portfolio of commercial lending clients, including managing existing loan relationships, monitoring loan performance, and conducting regular credit reviews.
- Identify and pursue new business opportunities, including prospecting for new clients, analyzing potential borrowers' financial statements, and assessing credit risk.
- Evaluate loan applications, financial statements, and other relevant documents to determine creditworthiness and assess appropriate loan structures.
- Build and maintain strong relationships with current and prospective clients, acting as their primary point of contact for all lending needs.
- Ensure loan compliance with established lending policies and procedures, conduct regular loan reviews, and manage any potential loan delinquencies or defaults.
- Work closely with other departments, such as credit administration, legal, and operations, to ensure seamless loan origination and servicing processes.
- Stay up-to-date with industry and market trends to identify lending opportunities and potential risks.
- Ensure all lending activities comply with relevant banking regulations and guidelines.
- Prepare and present periodic reports to senior management on portfolio performance, client relationships, and business development activities.
The Senior Lender CRE is responsible for managing a portfolio of commercial lending clients and developing new business relationships. They work closely with borrowers to understand their financing needs and evaluate the creditworthiness of potential borrowers.
Responsibilities:
- Oversee a portfolio of commercial lending clients, including managing existing loan relationships, monitoring loan performance, and conducting regular credit reviews.
- Identify and pursue new business opportunities, including prospecting for new clients, analyzing potential borrowers' financial statements, and assessing credit risk.
- Evaluate loan applications, financial statements, and other relevant documents to determine creditworthiness and assess appropriate loan structures.
- Build and maintain strong relationships with current and prospective clients, acting as their primary point of contact for all lending needs.
- Ensure loan compliance with established lending policies and procedures, conduct regular loan reviews, and manage any potential loan delinquencies or defaults.
- Work closely with other departments, such as credit administration, legal, and operations, to ensure seamless loan origination and servicing processes.
- Stay up-to-date with industry and market trends to identify lending opportunities and potential risks.
- Ensure all lending activities comply with relevant banking regulations and guidelines.
- Prepare and present periodic reports to senior management on portfolio performance, client relationships, and business development activities.
Qualifications
Bachelor's degree in finance, business administration, or a related field. Master's degree preferred.
- 8+ years of experience in commercial lending or a related field, with a focus on commercial Real Estate lending.
- Strong financial analysis skills, including the ability to assess the creditworthiness of borrowers and analyze financial statements.
- Excellent interpersonal and communication skills, with the ability to build and maintain relationships with clients and internal stakeholders.
- In-depth knowledge of credit and lending principles, as well as relevant banking regulations and guidelines.
Additional Information
The Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position, except where doing so would result in undue hardship to the Bank:
- Those with a known mental or physical disability.
- Pregnant individuals and/or individuals with pregnancy or childbirth-related medical conditions.
- Victims of domestic violence, sex offenses or stalking.
- Employees with religious observance and practice obligations.
Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an accommodation. In each case, the Bank will engage in a good faith written or oral dialogue concerning the individual's accommodation needs; potential accommodations that may address the individual's accommodation needs, including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer.
The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue, the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or denied. In addition, the Bank will maintain any information regarding the employee's request and status in the strictest confidence, except as requested by the employee, as required on a need-to-know basis or as otherwise required by law.
Disclaimer
The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
All your information will be kept confidential according to EEO guidelines.
We are operating on a hybrid schedule.
IDB BANK, INCLUDING ITS SUBSIDIARIES AND DIVISIONS, PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, NATIONAL ORIGIN, AGE, DISABILITY, GENETIC STATUS, CITIZENSHIP STATUS, MARITAL STATUS, MILITARY OR VETERAN STATUS, CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL, STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.