SVP, Private Client CRE Lending Officer - RJ Bank

This is a unique opportunity to build upon Raymond James Bank’s private client CRE lending presence across the Western U.S. As the West Coast’s Senior Private Client CRE Lending Officer, you will serve as the primary banking partner to top-tier Financial Advisors and their HNW/UHNW clients, with significant autonomy, national support, and long-term franchise-building potential. The CRE Business Unit focuses on institutional-quality lending, including syndicated loan arrangements secured by both Project Secured Loans and facilities to Real Estate Investment Trusts, as well as direct lending efforts to RJF clients.

Responsibilities

Originate, structure, underwrite, and manage customized CRE lending solutions for HNW and UHNW clients; Serve as the primary CRE lending resource for Financial Advisors platforming the western U.S.; Lead lending transactions end-to-end including opportunity assessment, borrower and guarantor analysis, collateral evaluation, structuring, pricing, negotiation, and closing; Analyze complex financial information including personal financial statements, business cash flows, tax returns, trusts, partnerships, LLCs, corporations, and other specialized entities; Partner with credit associates and risk partners to prepare credit approval memoranda, conduct due diligence, and ensure compliance with Raymond James Bank credit policies and risk parameters; Develop and maintain a robust origination pipeline through proactive engagement with Western States FA leadership and top-producing advisors; Build, manage, and grow a high-quality loan portfolio while maintaining strong credit discipline, proactive risk management, and ongoing covenant monitoring; Identify opportunities to expand relationships through deposits, treasury services, and other bank and affiliate solutions; Clearly communicate complex credit concepts and decisions to clients, Financial Advisors, and internal partners; Maintain current knowledge of lending products, credit policies, regulatory requirements, and market trends impacting private client lending

Requirements

Advanced principles, practices, and procedures of private client, tailored, and commercial lending; Credit underwriting standards, financial spreading, credit approval memoranda, covenant structures, and portfolio management; Analysis of lending solutions supported by securities, restricted stock, life insurance, and other complex collateral types; Financial markets, banking products, and wealth management strategies applicable to HNW and UHNW clients; Credit policies, risk management frameworks, and regulatory requirements; Analyzing complex financial information and determining creditworthiness; Structuring and pricing customized loan solutions; Consultative sales, negotiation, and relationship management; Written and verbal communication of complex concepts to sophisticated clients and advisors; Managing multiple priorities with strong attention to detail in a fast-paced environment; Operating standard office equipment and required software applications; Ability to build and maintain trusted relationships with Financial Advisors, Private Client Group clients, and internal partners; Ability to work independently with minimal supervision while collaborating effectively within a team environment; Ability to exercise sound judgment and handle sensitive, high-profile client matters with discretion and professionalism; Ability to articulate rationale behind credit decisions and recommendations; High level of integrity, confidentiality, and commitment to Raymond James’ Service 1st philosophy; Bachelor’s degree in Business Administration, Economics, or Finance

Benefits

Medical; dental; vision; life insurance; critical illness insurance; accident insurance; disability benefits; retirement savings; paid time off including vacation, holidays, and sick leave; parental leave; additional compensation (cash or equity); discretionary bonuses; commissions