Commercial Banking Relationship Manager IV

Responsibilities

• Promote and cross-sell various products and services through telephone calls, mailing notices and face-to-face visits.
• Service, maintain, develop new relationships, increase the deposit and loan portfolio, and increase bank revenues.
• Identify and pursue current and potential business opportunities for the bank.
• Provide personalized attention to all bank customers to enhance service, attract new customers, and increase Amerant Bank's presence in the market.
• Know and increase the Share of Wallet of a customer to retain them and keep them engaged, thereby increasing their lifetime value.
• Evaluate, monitor, analyze, and control the overall quality of the existing credit portfolio, including depository relationships and their activity.
• Develop strategies to accommodate customer needs, focusing on adequate growth of relationships.
• Work on commercial credit and commercial real estate loan presentations when Credit Committee approval level is required.
• Approve loans and other banking transactions within lending authority.
• Evaluate and take action to manage and control customer overdraft and uncollected funds transactions following approval limit guidelines.
• Review account activity to identify, evaluate, monitor, and make recommendations to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, BSA, laws, rules, regulations, prescribed practices, internal policies, and procedures, or ethical standards.
• Ensure that officers do business within the Bank’s policies and parameters, maintaining the desired level of exposure and risk with respect to BSA.
• Represent Amerant Bank in different community and economic development activities such as business chambers and community-related associations.
• Carry out preventive measures to fully comply with current rules, regulations, and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC, and other AML-related issues.
• Identify, evaluate, monitor, and make recommendations to the Risk Management Committee member to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of or nonconformance with laws, rules, regulations, prescribed practices, internal policies, and procedures, or ethical standards.

Requirements

• Bachelor’s degree in business administration, banking, finance, or accounting.
• Five or more years banking experience in the areas of business development and managing diversified lending relationships, with a focus on experience in commercial banking relationships with revenues between $5MM to $25MM.
• Strong commercial lending and credit experience including formal credit training, sales, and customer service techniques.
• A successful track record in business development.
• Oral and written communication skills in English and Spanish are required.
• Organizational and sales skills to establish and maintain excellent interpersonal and institutional relationships.
• The knowledge and ability to make a credit assessment.
• Knowledge of commercial banking products and services.
• Previous experience with MS Office, including MS Word Advanced, MS Excel Advanced, MS PowerPoint Advanced, MS Project Level II, and MS Visio Level I.
• Knowledge of operations and credit guidelines and policy; follow Credit Policy and Procedures Manual.
• Knowledge of BSA and other Banking regulations, financial statement analysis, loan documentation and administration.