Banker, Life Lending

EverBank • Albany, NY • 13h ago

The Life Lending Banker is responsible for originating, structuring, and managing Life Premium Financing solutions for high-net-worth individuals (HNWIs) and ultra-high-net-worth individuals (UHNWIs) seeking life insurance funding strategies. This role requires deep knowledge of financial products, life insurance, and lending solutions, as well as the ability to develop strong client and advisor relationships.

Key Responsibilities and Duties

Drives loan growth by acquiring new clients and strengthening existing relationships. Understands clients' financial goals to ensure they align with their estate planning, wealth preservation, and insurance strategies.

Mentors Customer Success and support staff in premium financing strategies.

Fosters and sustains relationships with insurance carriers, Life Insurance Professionals ("facilitators"), wealth advisors, tax professionals, and estate planning attorneys.

Protects the bank's assets and maintains the quality of the portfolio by adhering to lending policies and procedures. Structures premium financing loans, ensuring compliance with risk policies and regulatory guidelines.

Collaborates with credit team to assess credit worthiness and risk exposure.

Negotiates terms with clients and internal stakeholders to ensure competitive and sustainable financing structures.

Conducts valuations of complex assets, including life insurance policies, brokerage accounts, and letters of credit.

Oversees all phases of origination and annual review processing, including model generation, legal documentation, collateral perfection/management, and default/liquidation.

Completes follow-up with facilitators to ensure the requirements for originations and annual reviews are gathered and submitted promptly.

Works closely with the leadership team to enhance offerings and market positioning.

Educational Requirements

University (Degree) Preferred

Work Experience

5+ Years Required; 7+ Years Preferred

Physical Requirements

Physical Requirements: Sedentary Work

Career Level

8IC

Preferred Qualifications

10+ years of Life Lending/Premium Financing experience

Background in Banking & Lending

Very familiar with Life Insurance & Collateral

Excellent relationship management skills

Expected Travel: 15%

Posting End Date: 05/05/25

Job Seeker Notice

EverBank, N.A. and Sterling Bank and Trust, a division of EverBank, N.A. (together, the "Company") is a nationwide specialty bank providing high-value products and services to consumer and commercial clients nationwide. As a pioneer in online banking, we offer convenient digital access for clients 24/7, in addition to phone banking services and a network of financial centers.

The Company's commitment is to deliver to our clients high-performing, high-yield solutions backed by exceptional service, always giving them the advantage they expect, to make the most of their money.

VEVRAA Federal Contractor

Member FDIC

Notice to Job Seekers (https://everbank.com/about/careers/notice-to-job-seekers)

Pay Range $131,500 - $177,900

EverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereo@type, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status.

We will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information.

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