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BankUnited · 5 hours ago

Sr. Credit Officer (CRE-Hybrid/Miami Lakes)

Hialeah, FL

Full-time

Hybrid

Senior Level, Lead/Staff

10+ years exp

BankUnited is a financial institution seeking a Senior Credit Officer to work directly with Credit Products Managers and Line of Business partners. The role involves ensuring the safety and soundness of the bank's lending activities, assisting in structuring credit requests, and monitoring the commercial loan portfolio.

BankingFinanceFinancial Services

Diversity & Inclusion

Responsibilities

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

Qualification

Commercial lending experienceCredit judgmentLoan documentation knowledgeAccounting skillsFinancial analysis skillsSupervisory experienceWritten communication skillsVerbal communication skillsDetail-oriented

Required

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

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

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 and verbal communication skills