International Banker II

Amerant Bank; Coral Gables (FL); On-site; USD 85,000 - 130,000; Full time

Job summary

Amerant Bank in Florida seeks a seasoned Relationship Manager to develop and manage personal and commercial international clients' book of business, promoting bank products while ensuring compliance with regulations. You will grow deposits, support loan portfolios, and deliver exceptional service.

The ideal candidate has 5–7 years in international banking, bilingual English/Spanish, and a finance/business background (MBA a plus).

Qualifications

• Bachelor's degree in finance or business preferred, MBA a plus.
• 5–7 years of experience in International Banking; bilingual English/Spanish required.

Responsibilities

• Promote banking products by visiting customers and assessing needs.
• Develop cross-selling activities for assigned customers and meet sales quotas.
• Handle cash secured loans and investments secured loans.
• Review daily overdraft reports for approval/denial.
• Monitor loans to avoid past dues and follow up with customers for payments/renewals.
• Provide financial services for personal and commercial international needs, building deposit/loan relationships.
• Deliver exceptional customer service in person, by phone, or email while maintaining confidentiality.
• Monitor deposit balances to uncover opportunities.
• Approve loans and other credit transactions within lending authority; handle LC and standby LCs.
• Ensure compliance with BSA/AML, OFAC, and internal policies.

Skills

Sales skills

Negotiation

Relationship management

Bilingual English/Spanish

Education

Bachelor's degree in finance or business

MBA a plus

Job description

Responsible for the development and management of personal and commercial international clients' book of business by promoting banks products and services in accordance with the bank's policies, procedures, and federal banking regulations. Generating deposit growth and servicing the client; as well as, developing and maintaining loan portfolio. Adheres to the Bank's BSA/AML, Compliance and Security Policies and Procedures. Ensures documentation is up to date and complete.

Responsibilities

• Promote banking products and services by visiting / meeting customers, assessing their needs, preferences, and banking capabilities.
• Develop and manage cross selling activities for the assigned Customers. Analysis statistics to develop sales strategies and meet sales quotas.
• Handling Cash secured Loans, and Investments Secured loans
• Daily review of client overdrafts reports for approval or denial
• Monitoring of loans to avoid past dues and follow up with customers to cover payments and or renewals
• Provide financial services that satisfy personal and commercial international needs, establishing new and or developing existing deposit and loan relationships in order to achieve established production goals.
• Provide exceptional Customer Service in person, by telephone or by e-mail to Personal and Commercial Customers, by attending to needs and resolving claims and requests in an expedited manner, while maintaining confidentiality.
• Contact clients to monitor significant changes in deposit balances to uncover opportunities.
• Execute recommendations of lines of credit and loans by presenting to the Loan Committee when required for approval of lines of credit, loans and other credit transactions. Approve loans and other banking instruments within lending authority.
• Handling and approval of commercial and standby letters of credit.
• Constant review and monitoring of the accounts for compliance and BSA purpose
• Ensure preventive measures are carried out 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
• Negotiate price transactions with clients (obtaining approval from upper management when required) in order to maintain client relationships while increasing the profitability of the Group’s Units.
• Ensure proper execution of instructions in accordance with clients' wishes in order to minimize operational errors for the bank.
• Identify and report to immediate supervisor 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.
• Attends seminars and training sessions in order to keep abreast of changing regulations, as well as of industry / market trends and conditions and comply with banking operational procedures and deposit accounts processes, regarding BSA as amended by USA Patriot Act and OFAC
• All other duties as required

Minimum Education And/or Certifications Requirements

Bachelor's degree in finance or business preferred, MBA a plus.

Minimum Work Experience Requirements

Between 5 to 7 years of experience in International Banking. Bilingual English/Spanish required.

Technical And/or Other Essential Knowledge

Possesses solid knowledge of banking products. Must have superior sales, negotiation, and relationship management skills. Can manage large accounts independently. Must possess assertiveness and leadership skills.