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 • Bachelor’s Degree in Business Administration, Accounting or Finance. • Five (5) years of banking-related experience in product sales and lending. • Knowledgeable in bank operations, new accounts, relationship management, payment processing, wire transfers, debits/credits, overdraft/uncollected management, past due loan management, and related activities. • Ability to visit prospective clients within a designated market area to achieve sales objectives is required. Combination of education and experience will be considered. Soft Skills • Demonstrated success originating commercial loans and developing commercial banking relationships. • Strong commercial credit underwriting and financial analysis skills. • Proven business development and relationship management capabilities. • Ability to originate and structure complex commercial credit transactions. • Deep understanding of commercial lending products, credit policy, and regulatory requirements. • Advanced understanding and experience with commercial banking or private banking relationships and experience interacting with high-net worth clients. • Ability to work effectively with high-net-worth individuals, business owners, and professional advisors. • Strong presentation, negotiation, and communication skills. • Ability to develop business through both direct calling efforts and in-person meetings/ networks. • Demonstrated ability to manage multiple priorities while maintaining exceptional client service. • Computer proficiency in MS Software (e.g. Excel, Word, and Outlook). 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