Ocean Bank

Lending Officer – Corporate Banking

Ocean Bank  •  Miami, FL (Hybrid)  •  1 month ago
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Job Description

The Lending Officer in Corporate Banking supports the growth and risk management of Commercial & Industrial (C&I) and Commercial Real Estate (CRE) portfolios. This role partners closely with Relationship Managers, Credit, and Underwriting to structure transactions, analyze credit risk, manage existing portfolios, and ensure compliance with internal credit standards and regulatory requirements. The ideal candidate brings strong financial analysis skills, sound credit judgment, and a collaborative approach to supporting client relationships.

Responsibilities

  • Partner with Relationship Managers to structure C&I and CRE loan transactions.
  • Meet with existing and prospective clients to understand financial needs and credit objectives.
  • Perform initial financial analysis and deal screening prior to underwriting.
  • Prepare deal summaries and assist with screening and approval presentations.
  • Support ongoing portfolio monitoring, including credit quality and risk identification.
  • Ensure opportunities align with internal portfolio management guidelines and credit standards.
  • Assist with portfolio, pipeline, and credit reporting for senior and regional management.
  • Prepare Deal Memorandums for commercial loan requests.
  • Analyze borrower financial statements, cash flow, global debt service, liquidity, profitability, and solvency.
  • Support the end-to-end credit process, including coordination with Credit and Underwriting teams.
  • Track and support timely processing of credit requests, renewals, extensions, waivers, and modifications.
  • Collect and validate financial and credit information to support accurate risk assessment.
  • Provide portfolio, credit, and risk guidance to support responsible portfolio growth.
  • Assist with annual credit reviews and ongoing financial reviews for assigned portfolios.
  • Recommend renewal terms, covenant changes, structural enhancements, and risk mitigation strategies.
  • Serve as a primary point of contact for loan closings and post-closing matters.
  • Coordinate with Loan Closing and Legal teams to resolve documentation and structural issues.
  • Ensure data integrity within loan systems and support regulatory and compliance requirements, including Regulation B.
  • Monitor industry and market trends to identify potential portfolio risks.

Qualifications

Education/Experience:

Requirements

  • Bachelor’s degree in Accounting, Finance, or a related field.
  • 3+ years of progressive experience in credit analysis, portfolio management, or commercial lending, with demonstrated independent credit judgment and portfolio decision‑making responsibility.
  • Formal credit analysis training.

    • Combination of education and experience will be considered.

    Skills & Competencies

  • Advanced knowledge of credit policies, financial analysis, cash flow analysis, and portfolio risk management.
  • Strong ability to independently assess risk, challenge assumptions, and recommend mitigation strategies.
  • Strong financial statement analysis and credit risk assessment skills
  • Knowledge of C&I and CRE lending products and structures.
  • Must be able to understand and implement job related policies and procedures.
  • Must possess strong credit skills and be knowledgeable of credit policies.
  • Working knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
  • Excellent project management, organizational, analytical, interpersonal, written, and verbal communication skills.
  • Proficient in Microsoft Office applications, including Excel, Word, and PowerPoint.

    • Preferences

    • None

    Licenses/Certifications

    • None

    Job Posting Locations

    In this role you can work hybrid from Miami, Florida, United States

    Ocean Bank

    About Ocean Bank

    Ocean Bank is one of the largest independent commercial banks headquartered in Florida. Chartered in 1982, the bank operates a network of branches throughout Miami-Dade and Broward counties. Ocean Bank is an equal opportunity employer with more than 500 employees.

    Through the years, Ocean Bank has preserved the practice of nurturing a close and personal relationship with each customer. At Ocean Bank, a personal banker will guide you through financial decisions. In addition, an officer familiar with your accounts will answer all financial questions and expedite transactions, all with your best interest at heart.

    Ocean Bank aspires to be one of the most financially sound, profitable banks in the Southern Florida market. The bank will grow by meeting the broad financial needs of local businesses, families, and other select customer groups in a most personal and professional manner.

    Industry
    Finance & Insurance
    Company Size
    501-1,000 employees
    Headquarters
    Miami, Florida
    Year Founded
    1982
    Website
    oceanbank.com
    Social Media