Job Details

SUMMARY: Reports to Managing Sr Credit Executive Officer and works directly with Credit Products Managers (CPM) and/or Credit Product Officers (CPO), as well as Line of Business partners, to ensure safety and soundness of the bank's lending activities within assigned lending units.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.

• Exercises prudent credit judgment through individual loan authority assigned by Credit Risk Management Committee, as approved by the Board of Directors.
• Assists Commercial Lending Officers and CPOs in structuring and approving credit requests within assigned lending units.
• Helps to ensure safe and sound lending practices through ongoing monitoring of the commercial loan portfolio within assigned lending units and observance of market trends that may impact credit quality. Works closely with senior managers of the assigned lending units and the lending officers/portfolio managers of those units to identify and mitigate risks in those portfolios.
• Participates in deal discussion meetings and exercises individually assigned authorities in each setting.
• Evaluates and approves or declines policy exceptions and modifications to existing loans, within individual loan authority.
• Participates as a non-voting member of various credit risk oversight committees of the Bank which administer the commercial loan portfolio.
• Participates in outside calling efforts with both prospects and customers.
• Together with the Managing Senior Credit Officer, participates in the updating of credit policy and procedures of the Bank by providing guidance and input on proposed changes, seeking consensus on the changes and participating in the communication of and training on any approved changes to commercial lending units, senior management and credit risk oversight committees.
• Participates in credit related projects as assigned by the Managing Senior Credit Officer or Executive Credit Officer
• Other responsibilities as assigned by the Managing Senior Credit Officer or Executive Credit Officer
• Travel to support other regions of the state is required. The estimate is 10% to 20% of the time will be spent travelling, but this may vary significantly from time to time.
• Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
• Adheres to Bank policies and procedures and completes required training.
• Identifies and reports suspicious activity.

EDUCATION

Bachelor's Degree in business related field, or other acceptable alternative field required

EXPERIENCE

• 10+ Years of direct commercial lending experience in a diverse lending setting required
• 4-6 Years of supervisory authority either in a commercial line lending environment or staff lending/credit unit required

KNOWLEDGE, SKILLS AND ABILITIES

• Must have strong accounting/financial analysis skills developed through formal college undergraduate courses or through acceptable alternative means such as AIB. Must have extensive knowledge or commercial lending practices and regulatory rules.
• Must have demonstrated good credit judgment in previous work experience.
• Must have extensive knowledge of loan documentation and enforcement.
• Incumbent must be detailed oriented, demonstrate strong written an verbal communication skills.

ADDITIONAL INFORMATION

• Candidates residing in locations within BankUnited's footprint may be given preference.

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