CRE Relationship Manager IV

Amerantbank•Coral Gables, FL

18h

About The Position

The CRE Relationship Manager IV is responsible for maximizing share of wallet and product penetration, with a primary focus on loan generation and deposit gathering. This role also involves cross-selling other Bank Services to clients. The relationship manager acts as the central point of contact for client relationships, managing the process from sourcing to closing transactions. They are expected to have an expert understanding of credit underwriting fundamentals for various types of RE secured credits, maintain a strong community presence, manage cross-company partnerships, and structure/negotiate complex CRE loan term sheets and documents. The role also includes maintaining a high-quality loan portfolio through collaboration with underwriting and portfolio management teams, making presentations to senior management, reviewing financial reports, and coaching junior relationship managers. Additionally, the position requires an excellent understanding of SWAPs and hedging instruments, capital market perspective, and the ability to identify and mitigate credit risks while ensuring compliance with all relevant regulations.

Requirements

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.

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.
Makes regular presentations to Loan Committee and other Senior Managers.
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.