Commercial Real Estate Portfolio Risk Officer

City National Bank of Florida

. Underwrite and process loans for new bank clients and new loans to existing bank clients for commercial real estate .

Posted 9/29/2026full-timeMiami • Florida • United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in commercial real estate underwriting and portfolio management, with a strong focus on risk assessment, compliance with regulatory requirements, and effective communication with clients and stakeholders. Proficient in managing complex loan portfolios and conducting thorough financial analyses to support sound banking operations.

Highest-signal resume keywords

Commercial Real Estate UnderwritingPortfolio ManagementRisk AssessmentMicrosoft Excel AnalysisCredit Policy Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan UnderwritingLoan ProcessingCredit Approval PackagesCovenant MonitoringFinancial AnalysisConstruction UnderwritingRenewal TransactionsModification TransactionsQuality ControlAdverse Risk Identification

Soft Skills

Strong Verbal CommunicationEffective Report WritingDetail-OrientedProblem SolvingOrganizational Skills

Tools & Technologies

Microsoft OfficeLoan Management Systems

Industry Keywords

Commercial Real EstateOCC Regulated InstitutionsC&I ExperienceRisk Rating ChangesAsset Recovery

About the role

Key responsibilities & impact

Underwrite and process loans for new bank clients and new loans to existing bank clients for commercial real estate
Underwrite loan renewals as required by workflow
Maintain loan quality control and support sound bank operations
Administer assigned loan portfolios, including complex credits, construction projects, specialty property assets, renewals, modifications, annual loan reviews, covenant monitoring, and risk assessments
Monitor, maintain, and potentially grow loan portfolios with Relationship Managers
Identify changes in risk associated with existing loans and take necessary action
Support Relationship Managers in sales efforts, joint client and prospect calls, market research, and other client-oriented projects
Develop working knowledge of client relationships and prospect opportunities
Ensure compliance with underwriting guidelines, credit policy, and regulatory requirements
Structure and underwrite new credit requests and prepare credit approval packages
Aggregate credit relationship details and perform quality control of supporting analyses
Process renewal and modification transactions and participate in restructuring existing terms and conditions
Gather client financial information for underwriting, portfolio servicing, annual loan reviews, and covenant testing
Advise the Real Estate Risk Director on adverse changes in loan risk profiles
Support documentation of risk rating changes, Watch List Action Plans, and transfers of underperforming credits to Asset Recovery
Participate in bank examiner, auditor, and loan review staff examinations
Participate in industry associations, seminars, and activities
Conduct ad hoc projects assigned by Real Estate Risk management

Requirements

What you’ll need

10+ years of commercial real estate underwriting and/or portfolio management, preferably with OCC regulated institutions
Construction underwriting experience is a plus
C&I experience with owner-occupied Real Estate is a plus
Computer literate; fluency in Microsoft Office programs, particularly Excel analysis required
Strong verbal, written, and interpersonal skills
Effective report writing and other written communication skills
Detailed-oriented and organized
Ability to solve problems, make decisions, juggle underwriting of multiple deals, prioritize tasks, and meet required deadlines
Ability to highlight loan risks or problems or questions during deal underwriting and before finalizing analysis
Ability to make decisions quickly and confidently based upon analysis
Ability to work independently with minimal supervision
Clear verbal communication with internal and external customers and third-party participants as needed
Ability to establish and maintain effective work relationships internally and externally
Bachelor's Degree in Accounting, Finance or Economics

Benefits

Comp & perks

Equal Opportunity Employer
Reasonable accommodations for the interview process in accordance with applicable law