Portfolio Team Leader - Commercial

Amerantbank • Miramar, FL

92d

About The Position

The Portfolio Team Leader - Commercial is responsible for the credit portfolio administration and monitoring of credit quality for the commercial loan portfolio. This position also entails leading and supervising a team of portfolio managers that will support the business segments in the monitoring, maintenance and origination of new and existing loans based on credit programs and policy, in close coordination with the business segments.

Requirements

• Bachelor’s degree in business, accounting or finance required.
• Master’s degree preferred OR 7+ years of commercial & retail portfolio management experience in lieu of education.
• Formal credit training required.
• 10+ 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.
• Experience in SQL is a plus.
• Salesforce, nCino, FIS IBS experience is a plus.
• Sound time management and organizational skills required.
• Strong communication skills.

Responsibilities

• Overseeing staff with providing transactional support assisting Relationship Managers with the creation of proposals, term sheets, and credit memos while maintaining clear understanding of the Bank’s credit programs and policy and its adherence.
• Coordinating efforts with other bank units such as Credit Administration, Loan Operations, Credit Services, Processing Unit, and Credit Risk to streamline processes and maintain accuracy of reports and credit quality of the portfolio.
• Coordinating the annual review process of existing credit relationships; recommending changes in risk rating as deemed appropriate.
• Calculating covenant testing and risk rating trigger requirements as needed.
• Identifying, tracking and monitoring credit policy exceptions, reviewing credits with loan covenants and verifying compliance.
• Administering and monitoring maturities, delinquencies, including criticized assets reports on a regular basis.
• Assisting in identifying any 'red flags' or problems within the portfolio.
• Coordinating and streamlining loan origination process for Relationship Managers to facilitate the approval process.
• Providing support in developing, enhancing and promoting new/existing loan products.
• Supervising, coaching, training, and mentoring other team members to enhance their knowledge of the position.
• Ensuring 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.
• Assisting management with ongoing projects.
• Performing other duties as assigned.

What This Job Offers

• Career Level: Senior
• Education Level: Bachelor's degree