Bank Jobs in Palm Bay, FL

Join Florida Trend's #1 Medium-Sized Best Company to Work For

At Cypress Bank & Trust, The Cypress Way guides everything we do, from how we serve our clients to how we support one another. As a growing boutique bank serving high-net-worth individuals, families, and businesses, we offer a collaborative culture, opportunities for professional growth, and the chance to make a meaningful impact. If you're looking to build your career with a team that values integrity, independent thinking, and excellence, we'd love to meet you.

At Cypress Bank & Trust, we believe exceptional results start with exceptional people. Guided by The Cypress Way, our culture is built on integrity, independent thinking, teamwork, and a commitment to excellence. We're proud to have recently been recognized as the #1 Medium-Sized Best Places to Work, a reflection of our people-first culture and shared dedication to serving our clients and communities. As we continue to expand, we're looking for talented individuals who want to be part of a high-performing team where their contributions truly make an impact.

Commercial Banker

We are looking for a Commercial Banker who will be responsible for prudent revenue generation for the bank through the development of profitable loan and deposit relationships with companies and their owners in the bank's target market with established goals and accountabilities pertaining to client service and new business acquisition. Targeted business revenue size of $1 MM or more. The Commercial Banker is effective in calling activity, proposal generation, revenue generation, risk mitigation, and ability to build successful relationships.

Duties and responsibilities:

• Lead the local business development activities to promote the Bank's products and services, ensure the maintenance of the Bank's favorable image, and develop full banking relationships with present and potential commercial banking clients.
• Identify and originate new commercial and personal relationships while managing and maintaining key relationships of the market.
• Manage the assigned goals of loans, deposits, and business lines.
• Cross-sell related banking services to include Treasury Management, deposit products and referrals to Professional Banking partners.
• Represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image. Stay current on trends in the marketplace.
• Represent the bank at various internal and external functions to promote its services and commitment to the community, including networking with other professionals.
• Develop information concerning businesses and borrowing needs, repayment abilities, and business earnings to determine whether a loan is an acceptable risk.
• Gather personal information about clients and businesses in a timely manner to ensure that an informed decision is made regarding the creditworthiness of the borrower and the probability of repayment.
• Manage the Annual Review process of existing client credit exposure along with the Commercial Support Specialist partners to assure the timely receipt of all required financial information.
• Utilization of the Banks internal customer relationship management systems and other Bank tools in the day-to-day management of existing client portfolio, prospect management process and required calling goals.
• Maintain the credit quality of the assigned portfolio through collaboration with credit partners. Will monitor the accountability of the assigned loan portfolio on a regular basis.
• Proactively manage past dues, work towards maintaining an acceptable risk tolerance for the portfolio, and proactively manage through problem loan situations.
• Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations. This may include identifying customers properly, initiating CTRs and SARs investigations as needed, utilizing OFAC records and maintaining appropriate records.
• Adheres to Bank's policies and procedures and all Federal and State laws and regulations.
• Analyze financial information including balance sheets, income statements, cash flow statements, and tax returns to form an opinion of creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses. Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.
• Prepare written credit memorandums for presentation and approval.
• Perform ALL other duties, as assigned.

Must haves:

• College degree or equivalent, preferably in the Business Administration, Finance or Marketing fields.
• Minimum of 5 years of prior work experience with loan production in commercial and real estate lending, loan portfolio administration and product sales required.
• Experience and ability to manage a portfolio of commercial clients in excess of $2 MM.
• Advanced skills with Microsoft Office suite, specifically Excel, Word, and Outlook preferred.

Would be great to have:

• Expertise in commercial and real estate underwriting practices along with a balanced knowledge of regulatory governance of commercial lending activities.
• Five (5) to ten (10) years' experience in credit analysis and/or commercial lending

Why Work Here?

• Financially strong and growing company
• Personal growth potential
• Great company culture
• Generous PTO schedule in addition to bank holidays
• Benefits:
• Health (Employer-paid coverage for employee, eligible the first month after the date of hire.)
• Dental
• Vision
• Life Insurance (company paid)
• Additional voluntary Life Insurance
• Short Term Disability
• Long Term Disability
• LifeLock
• 401K