ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.

· Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.

· Establishes, and negotiates where necessary, terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements.

· Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means.

· Presents loan requests to the executive loan committee when the proposed loan dollar volume exceeds the department’s lending authority.

· Authorizes or rejects overdrafts in depository account within established authorities.

· Monitors loan repayment activities and takes necessary action to collect from past-due accounts.

· Advise customers, where possible, concerning business management and financial matters.

· Serves as a contact officer for nonborrowing accounts and loan customers for matters relating to other bank services.

· Develops new business by contacting prospects and customers, cross-sells bank services.

· Prepares lending activity reports for department management.

· Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on corporate and commercial lending activities.

· Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities.

· Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development..

QUALIFICATIONS/COMPETENCIES

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and EXPERIENCE:

Bachelors degree in business administration and/or finance with 5-7 years of commercial lending experience.

COMMUNICATION/LANGUAGE SKILLS: Ability to speak, read and write in the English language; Spanish (or other languages) helpful. Ability to read and comprehend simple instructions, short correspondence and memos; write simple correspondence; and effectively present information in one-on-one and small group situations to customers, clients, and other associates of the organization.

MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals; and compute rate, ratio, and percent; and to draw and interpret bar graphs. An understanding of higher mathematical concepts may be required for specific departments.

REASONING AND ANALYSIS ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form; and deal with problems involving several concrete variables in standardized situations.

CERTIFICATES, LICENSES, REGISTRATIONS: A valid driver’s license

INTERPERSONAL SKILLS:

Build Relationships: Ability to relate to people in an open, friendly, accepting manner; can show sincere interest in others and their concerns; capable of initiating and developing relationships with others as a key priority.

Collaborative Relationships: Ability to develop and maintain effective working relationships with team members, internal partners, and external parties. Knows how to seek and encourage collaboration. Can work effectively with people outside formal authority to accomplish goals seeking win-win alternatives. Shares successes and works with others to reach best practice solutions. Can represent his/her own interests and yet be fair to other groups. Has the ability to recognize when relationships are unproductive and take action to improve them.

Influence: Can assert own ideas and persuade others; gain support and commitment from others; and mobilize people to take action.

Professionalism: Adhere to BankUnited standards for conduct, grooming, and attire. Provide a positive and professional image both with in the company and externally. Create a positive first impression.