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Job Description

Job Summary

Under minimal supervision, the Tailored Lending Officer will use extensive knowledge and skills obtained through formal education and/or work-related experience to create customized lending solutions for high-net worth (HNW) and ultra-high net worth (UHNW) clients of the firm. The ideal candidate will help lead sales efforts within the Tailored Lending department and will be responsible for educating clients, financial advisors (FAs), and other internal partners on various product offerings. Additionally, the candidate will lead “live” deals from start to finish, with duties encompassing the assessment of potential opportunities, evaluating borrowers (both quantitatively and qualitatively), analyzing collateral, and ensuring the proposed structure fits within prescribed Tailored Lending credit risk parameters. The successful candidate will partner with underwriters on deal analysis, due diligence, and credit memos, playing a lead role in determining and recommending the optimal credit solution. The position will require ongoing management of portfolio risk and will require continuous and proactive work to improve portfolio quality and prevent loss. This individual will work with a high level of autonomy and is accountable for ensuring the quality and reliability of work performed.

Essential Duties and Responsibilities

+ Provide tailored lending solutions for firm clients to meet liquidity needs without disrupting long term financial plans

+ Educate financial advisors and clients alike on Tailored Lending product offerings, deal structures, and all related documentation requirements.

+ Build, grow, and maintain a large portfolio of Tailored loans while maintaining credit discipline and sound portfolio management throughout the lifecycle of each transaction

+ Make deal structure recommendations in a calm and professional manner; work to identify alternatives when necessary to exceed client expectations throughout the inquiry process

+ Analyze client needs for other potential financial services; promote additional bank products and other affiliate relationships

Knowledge of

+ Underwriting regulations and policies, financial spreading, creation of Credit Approval Memoranda, covenant monitoring and other loan portfolio management responsibilities.

+ Advanced knowledge of self-employed income analysis, including review of cash flows derived from pass-through entities.

+ Analysis of lending solutions available to clients supported by securities, restricted stock, life insurance and derivative transactions, including analyses of trading volume, bond ratings, pricing and other factors.

+ Unique borrowing structures, such as various trust entities, corporations, LLCs, partnerships, personal holding companies, and not for profit entities

+ Prior credit authority delegation preferred.

+ Commercial credit experience preferred.

+ Principles, practices, concepts and procedures of underwriting, mortgages, banking and financial markets and products.

Skill in

+ Data analysis.

+ Critical thinking, problem solving and creativity.

+ Providing a high level of service in the spirit of Raymond James’ Service 1st commitment.

+ Organizational skills including a high level of accuracy and attention to detail.

+ Sales techniques including profiling, negotiation, collaborative sales, closing the sale, and asking for referrals

+ Effective oral and written communications to convey details on various Tailored Lending products and processes.

+ Operating standard office equipment and using required software applications.

Ability to

+ Build strong and productive relationships with FAs, Banking Consultants and their high-net-worth clients.

+ Demonstrate initiative, leadership and poise working in a fast-paced environment.

+ Partner with other functional areas to accomplish objectives.

+ Work independently as well as collaboratively within a team environment.

+ Articulate reasons behind decisions. Clearly communicate regarding decisions, changes, and other relevant information.

+ Organize, manage, and track multiple detailed tasks and assignments with frequently changing priorities and deadlines.

+ Present effectively and informatively.

+ Maintain a high level of integrity and confidentiality.

+ Conduct transactions for high profile and high net worth clients.

+ Research and analyze financial statements, perform complex tax return analysis, interpret findings and prepare reports of financial position and credit worthiness.

Education

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance

Work Experience

General Experience - More than 15 years

Certifications

Salary Range

$130,000.00-$230000.00

Travel

Less than 25%

Workstyle

Remote

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same

• Work with and through others to achieve desired outcomes

• Make prompt, pragmatic choices and act with the client in mind

• Take ownership and hold themselves and others accountable for delivering results that matter

• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

Raymond James Bank is an EOE/AA and VEVRAA Federal Contractor

Priority will be given to protected veterans

EOE/AA: Female/Minorities/Disabled/Protected Veterans/LGBT

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