Senior Corporate Banking Relationship Manager - Lending

Amerant Bank; Coral Gables (FL); On-site; USD 260,000 - 360,000; Full time

Job summary

Amerant Bank NA is seeking a Corporate Banking Relationship Manager IV to manage a portfolio of high-quality, complex corporate relationships in Coral Gables, FL. The role focuses on expanding share of wallet, cross-selling bank products and servicing large corporate clients.

Responsibilities include handling sophisticated loan structures, including asset-based lending and trade-related financing, while maintaining strong client engagement and compliance with banking regulations.

Qualifications

• Bachelor’s degree in business administration, banking, finance or accounting.
• 10 years as a commercial lending officer, managing complex and diversified lending relationships.
• Experience in asset based lending and in trade related lending is required.
• MS Office skills including Word, Excel, PowerPoint (advanced) and basic Project/Visio.
• Banking regulations applicable to lending. Cash flow analysis.
• Must be a team player, able to work under pressure, professional image, problem solving and time management; strong communication and negotiation skills.

Responsibilities

• Develop and maintain a portfolio of high quality, complex corporate relationships.
• Handle complex commercial loans including Asset Based lending, international loans and other credits.
• Cross sell other bank products to maximize customer relationships.
• Increase Share of Wallet and client engagement for long-term relationships.
• Participate in outside calling program and networking events to promote the bank’s image as a commercial lender.
• Refer business to other units and assist junior officers in credit relationship analysis.
• Prepare loan committee packages and communicate credit decisions to clients.

Skills

Relationship management

Credit analysis

Financial analysis

Negotiation

Education

Bachelor's degree in business/finance

Tools

MS Office Suite

Job description

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Corporate Banking Relationship Manager IV

CORPORATE BANKING- SOUTH Business Coral Gables, FL, US

The Commercial Relationship Manager IV is responsible for maximizing share of wallet and products penetration. Will also promote and cross-sell products and services with the objective of servicing, maintaining, developing new relationships, increasing bank revenues and identifying current and potential business opportunities for the Bank.

• Develop and maintain a portfolio of high quality, complex corporate relationships.


• Must have demonstrated experience in handling complex commercial loans of all types, including Asset based loans (ABL), local participations (purchased andsold), insured receivables financing, EX-IM and other foreign risk mitigation, owner occupied real estate loans. complex commercial loans of companiesgenerating over $30MM in revenue.


• Cross sell other bank products to maximize customer relationships.


• Know and increase the Share of Wallet of a customer in order to retain them and keeping them engaged increasing their lifetime value.


• Actively participate in outside calling program/networking events designed to promote the image of the bank as an active commercial lender and to developnew business relationships.


• Refer business to other business units.


• Follow-up and resolve outstanding exceptions.


• Exercise prudent judgment in authorizing overdrafts and uncollected funds.


• Make presentations to senior management and loan committee.


• Maintain active contact with client base, meeting at least quarterly at their place of business.


• Maintain a current credit file, working in conjunction with credit services. In particular, ensure that contact memoranda are up to date and document the client’s current status.


• Support the bank’s CRA lending efforts. Participate as a board member on a non-profit organization.


• Assist junior officers in department with the analysis and evaluation of credit relationships.


• Prepares packages for loan committee presentations.


• Communicate to customers and prospects the approval or denial of credit requests.


• Review depository activity of clients to insure compliance with BSA.


• 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.
  


• Identify, evaluate, monitor and make any recommendation deemed necessary to the Risk Management Committee in order 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.

Minimum Education and/or Certifications Requirements :

Bachelor’s degree in business administration, banking, finance or accounting.

Minimum Work Experience Requirements:

10 years as a commercial lending officer, managing complex and diversified lending relationships. Experience in asset based lending and in trade related lending is required. Successful demonstrated track record of business development.

Technical and/or Other Essential Knowledge :

MS Office Skills, including MS Word Advanced, MS Excel Advanced, MS PowerPoint Advanced, MS Project Level II and MS Visio Level I required. Banking regulations applicable to lending. Cash flow analysis.

Functional Skills & Knowledge Requirements:

Must be a team player, have the ability to work under pressure, have a professional image and be able to resolve problems and conflicts. Must be able to prioritize work and effectively manage time and have the ability to manage change. Must possess basic business communications skills such as advanced writing, listening and have basic office and mathematics skills, and customer service skills. Possession of professional skills such as report writing, advanced statistics, effective presentation skills, creative skills, budgeting, ethics management and conducting effective meetings and research assessment are required. Must possess sales and negotiation skills.