Real Estate Banking Associate

City National Bank of Florida

. Analyze borrower, guarantor, sponsor, property, and market information to assess repayment capacity, collateral support, transaction structure, and credit risk .

Posted 10/9/2026full-timeCoral Gables • Florida • United StatesJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis and commercial real estate concepts, with a strong ability to assess repayment capacity and risk. Proficient in developing client relationships and managing multiple transactions while ensuring compliance with regulatory standards.

Highest-signal resume keywords

Credit AnalysisCommercial Real Estate UnderwritingFinancial Statement AnalysisClient Relationship ManagementRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentFinancial SpreadsCash Flow AnalysisCollateral ValuationDebt Service CoverageLoan-to-Value AnalysisStress TestingNet Operating IncomeCommercial Lending ProcessRisk Rating

Soft Skills

Clear Written CommunicationConfident Verbal CommunicationAttention to DetailSelf-MotivatedRelationship Building

Tools & Technologies

ExcelWordPowerPointOutlookClient Management System

Industry Keywords

Commercial Banking ProductsTreasury ManagementReal Estate BankingEnvironmental ReportsConstruction BudgetsMarket ResearchDue DiligenceClient ProposalsAcquisition TransactionsFinancial Institution Experience

About the role

Key responsibilities & impact

Analyze borrower, guarantor, sponsor, property, and market information to assess repayment capacity, collateral support, transaction structure, and credit risk
Review rent rolls, operating statements, leases, appraisals, environmental reports, construction budgets, sources and uses, and other due diligence
Prepare prescreen materials, proposals, term sheets, financial spreads, relationship assessments, and credit presentations for acquisition, refinance, bridge, and construction transactions
Research submarkets, rent and sale comparables, sponsor track records, leasing trends, capitalization rates, and supply and demand
Conduct and document property and construction site inspections with senior bankers
Support Relationship Managers with client and prospect coverage, meeting preparation, relationship plans, proposals, and follow-up
Attend client, prospect, property, and sponsor meetings
Develop new business through prospecting, referrals, centers of influence, and coordinated calling efforts
Record client activity, meetings, and referrals in the Bank's client management system
Identify deposit, treasury management, and cross-sell opportunities and make qualified referrals
Monitor assigned loans and relationships, including annual reviews, renewals, covenant compliance, construction draws, insurance and tax compliance, maturities, exceptions, and risk rating accuracy
Identify and escalate adverse trends in borrower, guarantor, tenant, or property performance
Coordinate with Credit, Loan Administration, Legal, Appraisal, Environmental, Construction Risk, Treasury Management, BSA/KYC, and Compliance through transaction closing and post-closing
Prepare and maintain pipeline, portfolio, exposure, and maturity reports
Complete the Real Estate Banking development plan and remain current on internal policies and regulatory expectations

Requirements

What you’ll need

2+ years of credit experience at a bank or financial institution
1+ years of commercial real estate credit, underwriting, or lending experience, including analysis of income-producing properties and sponsors
Solid foundation in credit analysis, including financial statement analysis, cash flow and global cash flow analysis, guarantor liquidity and net worth analysis, and risk rating
Working knowledge of commercial real estate concepts, including net operating income, debt service coverage, loan-to-value, debt yield, capitalization rates, stress testing, and collateral valuation, or ability to quickly learn them
Understanding of the commercial lending and credit approval process, Bank credit policy, and applicable regulatory and compliance requirements
Familiarity with commercial banking products and services, including loans, deposits, treasury management, and interest rate hedging
Advanced proficiency in Excel and strong proficiency in Word, PowerPoint, and Outlook
Clear and concise written communication, including credit write-ups, client correspondence, and executive summaries
Confident verbal communication and professional presence in meetings
Sound judgment and attention to detail
Coachable and self-motivated
Genuine interest in client relationships and business development
Ability to manage multiple transactions, deadlines, and priorities
Ability to build effective working relationships with clients and internal partners
Bachelor's Degree in Finance, Business Administration, or a related field
An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree

Benefits

Comp & perks

Formal credit, sales, and Bank training
Structured mentorship
Periodic progress reviews
Equal opportunity employment
Reasonable accommodations for applicants participating in interviews