Senior Credit Risk Manager Jobs in Miami, FL (NOW HIRING)

The Wholesale Portfolio Management Officer is responsible for underwriting, managing, and growing a credit portfolio while ensuring compliance with CNB policies. This role combines analytical credit expertise with proactive portfolio management to identify risks early and maintain asset quality. The PM also plays a key role in supporting renewals, extensions, and credit-related cross-sell opportunities. The PM builds strong client relationships through face-to-face (FTF) engagement, identifies opportunities for cross-selling, leverages analytics for decision-making, and collaborates with RMs, Portfolio Risk Officers, Credit Specialists, CSAs, Loan Operations, and other internal partners.

What You'll Do:

• Drive end-to-end ownership of assigned portfolio; anticipate upcoming actions and ensure timely completion.
• Analyze credit trends and portfolio metrics to identify emerging risks and ensure compliance with the Bank’s credit risk policies and regulatory standards.
  
• Manage financial tickler records daily through the nCino Covenant Management platform, ensuring timely collection and escalation of exceptions.
• Prepare detailed covenant waiver memoranda, credit approval documentation, and Watch List action plans with a focus on asset quality and recovery.
  
• Participate in reviews and examinations conducted by auditors, bank examiners, or internal loan review teams.
• Conduct annual reviews and covenant tests.
• Collect and analyze borrower financials to assess performance and recommend covenant waivers when applicable.
• Validate data accuracy for CECL and ALR reporting.
• Maintain accurate records, documentation, and reporting aligned with the Bank’s risk and compliance frameworks.
  
• Engage with clients directly through face-to-face meetings to discuss credit structures, covenant compliance, and financial performance.
• Attend client meetings with Relationship Managers to build rapport, assess business needs, and deepen client relationships.
  
• Serve as a trusted credit partner, translating financial insights into actionable recommendations that support both the client’s growth and the Bank’s credit strategy.
• Initiate renewals 150 days before maturity; ensure documentation is complete and accurate.
• Partner with RMs and Loan Operations to coordinate renewals, approvals, and bookings.
• Underwrite loans and produce CAMs for extensions/modifications for existing clients in the portfolio.
  
• Manage renewal and extension pipelines, proactively addressing bottlenecks or delays.
• Order appraisals, insurance, and environmental reviews; manage vendor deliverables.
  
• Partner with RMs to prepare for client meetings and support client engagement (target 80% of TCE FTF meetings).
• Use portfolio insights (EWS, ALR, pipeline data) to identify credit and deposit-related cross-sell opportunities.
• Build borrower trust to support independent credit discussions and deepen relationships.
• Provide data-driven insights to RMs and leadership on concentrations, industry exposure, and emerging risks.
• Work cross-functionally with Relationship Managers, Portfolio Risk Officers, Credit Specialists, Loan Operations, and other internal partners.
• Provide timely updates to the Risk Director and RMs on credit exceptions, delinquent items, and potential relationship opportunities.
• Execute ad hoc projects and risk-related analyses as assigned by the Risk Director or their designee.
  

• Credit Training: Completion of formal credit training preferred.
• 10+ years with demonstrated expertise in complex credit portfolios.
• Critical Competencies & Skills:
• Strong understanding of credit risk principles, financial analysis, and underwriting standards.
• Proficiency with nCino, Microsoft Office, and Salesforce/Elevate.
• Familiarity with banking products, lending structures, and regulatory requirements.
• Ability to build trust and credibility through Face to Face (in person) meetings and consultative interactions.
• Strong negotiation, presentation, and communication skills.
• Critical thinking to evaluate risk/reward scenarios.
• Data-driven decision-making and problem-solving analysis
• Effective partnership with Relationship Managers and internal stakeholders.
• Mentoring junior credit analysts and supporting team development.
• Balancing risk management with revenue generation.
• Identifying cross-sell opportunities and contributing to portfolio growth.

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics. 
• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair interview process, the use of AI wearables, AT tools, AI applications, or other external assistance is strickly prohibited. 

Accommodations

If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at talent.attraction@citynational.com