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Amerant Bank · 13 hours ago

CRE Relationship Mgr IV

Coral Gables, FL

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Amerant Bank is seeking a seasoned CRE Relationship Manager to maximize share of wallet and product penetration. The role focuses on loan generation, deposit gathering, and cross-selling bank services while managing client relationships and ensuring compliance with regulatory requirements.

Financial Services

Responsibilities

Responsible for loan production, deposit gathering, and other cross-sell goals

Expert at engaging with customers regularly to identify their financial needs and offer the relevant banking products that meet them

Generates and develops new business relationships through networking, cultivating referral sources and COIs

Maintains, nurtures and deepens existing client relationships

Expert understanding of credit underwriting fundamentals as it relates to RE secured credits of all types (i.e. Land Acquisition, Construction, Transitional/Bridge, and Permanent Financing)

Maintains a strong presence with the local community through active involvement and leadership roles in various professional organizations and events

Manages cross-company partnerships and alliances designed to acquire and drive business opportunities

Responsible for structuring and negotiating complex CRE loan term sheets and loan documents in partnership with counsel

Maintains and ensures high quality loan portfolio though the support of underwriting and portfolio management team by monitoring loan policy exceptions, ongoing review of credits, loan covenant compliance, and site inspections. Must have the ability to effect desired results when dealing with the different areas and departments of the Bank

Makes regular presentations to Loan Committee and other Senior Managers. As such must have demonstrated ability in high level effective communication and presentation skills

Review the contents of appraisals, appraisal review, cost analysis and environmental reports to ensure compliance with approved terms, as well as Bank’s policy and regulatory requirements

Coaching and mentoring of junior relationship managers in the team

Excellent understanding of complex SWAPs and other Hedging instruments

Capital market perspective and proven ability to sell loan participations and syndicated loans

Identify credit risks associated with a transaction, recommend and follow-up with a plan of action to improve/resolve identified problems and avoid potential losses to the Bank

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

To identify, evaluate, monitor and make any recommendation deemed necessary to their respective 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

Qualification

CRE credit skillsFinancial statement analysisReal estate constructionCredit underwriting fundamentalsNMLS registrationCoaching abilitiesCommunication skillsBusiness developmentLoan structuringRisk management

Required

Bachelor's Degree

MBA or MS in CRE Investment/Finance required

Applicant must be NMLS registered and provide the company with NMLS number or be willing to register in NMLS prior to employment being offered

FBI Criminal Background and credit check must be successfully passed before job offer is presented

10 years of previous experience in business development, credit portfolio managing and analysis and structuring of CRE credit transactions in the assigned local market

Formal credit training required

Excellent knowledge of local Real Estate industry

Expert real estate credit skills

Financial statement analysis

Real estate construction and credit structuring

Excellent oral and written communication skills

Strong leadership and coaching abilities