City National Bank of Florida

Risk

• Responsible for managing an assigned portfolio of commercial real estate loans
• Underwriting and processing new credit requests, including complex credits and construction projects
• Handling renewals and modifications of existing credits
• Conducting annual loan reviews, monitoring loan covenants, and assessing risk changes based on market and industry conditions
• Reporting directly to the Real Estate Risk Manager
• Executing special projects as needed

Senior Construction Portfolio Risk Officer

Client Services Representative

• Accountable for ensuring client retention and satisfaction by efficiently by promptly and efficiently addressing all service requests and inquiries.
• Initiates outreach to clients as needed to provide exceptional service, ensuring adherence to company policies and regulatory requirements.
• Independently handles loan servicing requests, including advances, pay-downs, statement and bill copies, billing issues, insurance, escrows, flood insurance, and related items, ensuring accurate and timely processing.
• Manages the onboarding of new clients by opening and processing all type of account, products, and services.
• Serves as the primary point of contact for client servicing, maintaining comprehensive knowledge of the relationship: Issues, collects, and reviews required deposit account documents and disclosures via DocuSign or in-person collection.
• Ensures all documents are uploaded in the system within the defined timeframe for account opening, in line with CNB P&P.
• Coordinates with Electronic Banking and Treasury Management on onboarding status, completion of forms, implementation, or necessary training.
• Completes customer profiles/CIP, Bizchex-Chexsystem, ownership information, and account profiles, performing list checks, OFAC & Google searches.
• Sets up and maintains analysis composites to ensure accurate data representation, collaborates with cross-functional teams to integrate necessary account information, and ensures that all client data is properly linked and balanced for analysis and reporting.
• Handles Domestic & International Wire Transfers, Internal Transfers, Stop Payments, Cashier’s Checks, Debit Cards, in line with CNB P&P.
• Responsible for ensuring Regulatory Excellence: Decision Making or collecting proper approvals and enter decisions on overdrafts in EIM (within their authorized limits).
• The first client contact to collect missing documents and other applicable items/ documents relating to new Deposit/loan accounts.
• The first client contact to satisfy BSA/RFI requests.
• Completion of BSA requests within defined timeframe noted in the request; this includes (but not limited to): RFIs which includes EDD/KYC-updates, PO Alert, OFAC, High Risk Review & Other.
• Ensures compliance with regulatory requirements including completion of KYCs/EDDs when onboarding clients and continue updates.
• Completion of Regulatory Excellence Consultant (REC) findings requests within defined timeframe noted in the request.
• Responsible for follow up activities related to new onboarding and maintenance requests using varies system reports.
• Follow-up activities included but not limited to account funding, TM implementation, Online Banking set-up, KYC status.
• Follow up with a phone call, to answer any questions, concerns, ensure customer is completely set up.
• Escalate all unresolved issues related to the above mentioned tasks to the RM or Supervisor.
• Completes Reg E disputes, resolves fraud, check disputes, check processing errors, and other activities related to the Aithent system.
• Accountable for managing and processing all client requests or inquiries related to deposit accounts, including, but not limited to: CIS maintenance changes.
• Correcting CIP errors.
• Closing accounts and completing the closing code reason.
• Address changes.
• Change of Signer maintenance (including the issuance and collection of all appropriate signature documents and disclosures).
• Deposit Research (statements, check copies, balance inquiries, etc.).
• Accountable for ensuring the proper disposition of all exception items from Deposit Operations and the Non-Post database related to the clients served.
• Composes and types letters, emails, and other special reports related to clients’ needs (e.g., Excel sheet, PowerPoint, org chart).
• Responsible for organizing and maintaining client files for deposits and loans, including the creation of customer folders and subfolders as requested.
• Maintains strong product knowledge and attends training as needed to cross-sell bank products.
• Assesses client needs and cross-sells bank products and services, referring opportunities to relevant departments, including lending, Treasury Management, or Wealth Management.
• Effectively communicates with other departments within the bank, fully understanding the importance of teamwork and communication.
• Maintains ongoing communication with Relationship Managers regarding client activities, issues, RFIs status, compromised accounts, and potential opportunities (Pipeline).
• Participates in on-site client visits and relationship reviews, as needed.
• Ensures adherence to the Bank’s operational, regulatory, and security policies and procedures.
• Facilitates the collection of required items from clients for RMs as outlined in the loan-closing checklist for new loans, modifications, renewals, and other related requests.
• Supports RM’s Dashboard/pipeline management, creates opportunities, completes KYC in collaboration with RMs, coordinates payoffs/releases, fee waivers, and resolves past dues, maturing loans, Minimum Deposit Requirement, and Covenants.
• Collects, reviews, and uploads loan-required ticklers (covenants) in accordance with loan conditions.

Senior Construction Portfolio Risk Officer

Senior Client Services Specialist