Commercial Relationship Manager II
Amerant

Job Info

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The Commercial Relationship Manager III maximizes share of wallet and products penetration. Promotes and Cross-sells 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.

Responsibilities:

• Promote and cross-sell various products and services through telephone calls, mailing notices and face-to face visits, with the objective of servicing, maintaining, developing new relationships, increasing the deposit and loan portfolio, increasing bank revenues and identifying current and potential business opportunities for the bank.
• Provide personalized attention to all bank customers in order to provide better service, attract and attain new customers and increase the presence of Amerant Bank, N.A. in the market.
• Know and increase customer's wallet share in order to retain them and keeping them engaged increasing their lifetime value.
• Develop and maintain commercial banking relationships with businesses established in their communities.
• Provide financial solutions to satisfy commercial business needs, establish new and/or developing existing deposit and loan relationships within this target market in order to achieve established production goals for assigned region.
• Extensive knowledge of credit and underwriting standards in accordance with the bank’s credit policy guidelines. The ability to evaluate, monitor, analyze, and control overall quality of existing credit portfolio, including related depository relationships and their activity; develop strategies to accommodate customer needs, focusing on adequate growth of relationships.
• Make recommendations for approval of lines of credit, commercial real estate and term loans.
• Make presentations to Loan Committee when required for approval of commercial credit transactions.
• Approve loans and other banking transactions within lending authority.
• Evaluate and take action to adequately manage and control customer overdraft and uncollected funds transactions following approval limit guidelines in order to accommodate and service customers in a financially feasible and prudent manner, with minimum risk exposure to the bank.
• Review account activity to identify, evaluate, monitor and make any recommendation deemed necessary to the Business Manager in order 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.

Education and/or Certifications Requirements:
Bachelor's Degree in Business, Finance or Accounting Formal credit training

Work Experience:
4 or more years banking experience in the areas of business development and managing diversified lending relationships.

Technical and/or Other Essential Knowledge:
Proven commercial lending and credit experience, analyzing financial statements, reviewing loan documentation and administration
Successful track record in sales and business development
Effective verbal and written communication skills. Knowledge of commercial banking products and services
Proficient using MS Office, including MS Word, MS Excel, MS Powerpoint and OutlookMust be knowledgeable of operations and credit guidelines and policy, BSA and other Banking regulations
Bilingual (English and Spanish) a plus

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