Amerant Bank · 18 hours ago
Portfolio Senior Officer
Miramar, FL
Full-time
Onsite
Senior Level
7+ years expAmerant Bank is seeking a Portfolio Senior Officer to support their commercial credit portfolio. This role focuses on enhancing risk discipline, conducting financial reviews, and collaborating with Relationship Managers to manage customer relationships effectively.
Financial Services
Responsibilities
Early Financial Review & Risk Triage
Perform high-level reviews of borrower financial information upon receipt to identify:
Deteriorating performance trends
Liquidity or leverage pressure
Industry- or sector-specific risk signals
Promptly escalate identified concerns to the Relationship Manager and Credit (second line) for further review
Document early-warning observations in accordance with established PM protocols
Ensure loans are properly risk rated in a timely manner
Origination Support & Deal Screening (Pre-Credit)
Support Relationship Managers (RMs) during early deal structuring and origination
Conduct soft-quote / preliminary analyses to:
Assess alignment with the Bank’s risk appetite
Identify potential structural or credit weaknesses
Recommend whether a transaction should proceed to Credit or be declined early
Assist RMs in preparing preliminary proposals and materials for the deal-screening process
Collaborates with the Relationship Manager in the loan approval and closing process to ensure timely and efficient closings
Ongoing Relationship Administration & Accountability
Jointly accountable with RMs for the ongoing administration of customer relationships, including:
Timely receipt of borrower financial statements
Completeness of required information
Responsiveness to Credit and Risk information requests
Timely completion of annual reviews, covenant tests, post closing items and ticklers
Coordinate with the Client Support Unit (CSU) to facilitate the collection of financial and other required information
Ensure delays, missing information, or unresponsive clients are escalated appropriately
Industry & Sector Monitoring
Monitor assigned industries and sectors for:
Macroeconomic trends
Emerging risk indicators
Concentration or portfolio-level issues
Provide relevant insights to:
RMs
Portfolio Management leadership
Credit and Risk partners
Portfolio Monitoring & Issue Identification
Monitor portfolio reports including:
Maturities
Delinquencies
Past dues
Pending annual reviews and covenant testing
Pending financials and other ticklers
Identify and escalate portfolio irregularities or adverse trends to Portfolio Management leadership
Participate in site visits or inspections, as required, and document observations
Governance, Compliance & Risk Culture
Maintain working knowledge of the Bank’s credit policies, programs, and risk appetite
Ensure activities comply with applicable regulations and internal policies, including BSA/AML, OFAC, and related requirements
Support management initiatives and special projects as assigned
Qualification
Required
Bachelor's degree in business, accounting or finance required
Master's degree preferred OR 3+ years of commercial & retail portfolio management experience in lieu of education
Formal credit training required
7+ years of professional experience in lending and/or portfolio management field and/or credit analysis
Knowledgeable of banking products and documentation
Thorough understanding of the Bank's credit procedures, programs and policy
Accounting and credit principles
Proficiency in Microsoft Suite is required
Sound time management and organizational skills required
Well organized and systematic
Must possess strong communication skills
Preferred
Master's degree preferred
Experience in SQL is a plus
Salesforce, nCino, FIS IBS experience is a plus
Company
Amerant Bank
Amerant Bank, N.A., Florida's bank of choice, is the main subsidiary of Amerant Bancorp Inc.
501-1000 employees
Funding
Current Stage
Public CompanyTotal Funding
$156.7M2024-09-26Post Ipo Equity· $156.7M
2023-08-29IPO
Leadership Team
Kristy Amaro
SVP, Head of Talent and Sustainability
Samantha Holroyd
Independent Director
Recent News
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