Relationship Manager IV - Commercial Real Estate Credit CRE

Amerantbank•Tampa, FL

About The Position

The Relationship Manager IV - Commercial Real Estate Credit (CRE) is responsible for maximizing share of wallet and product penetration. The primary focus is on loan generation and deposit gathering, along with cross-selling other Bank Services to clients. This role serves as the account and transaction quarterback, managing the relationship from sourcing to closing.

Requirements

Bachelor’s Degree.
MBA or MS in CRE Investment/Finance required.
NMLS registered or willing to register in NMLS prior to employment offer.
Successfully pass FBI Criminal Background and credit check before job offer.
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 knowledge.
Excellent oral and written communication skills.
Strong leadership and coaching abilities.

Responsibilities

Responsible for loan production, deposit gathering, and other cross-sell goals.
Engaging with customers regularly to identify their financial needs and offer relevant banking products.
Generating and developing new business relationships through networking, cultivating referral sources, and COIs.
Maintaining, nurturing, and deepening existing client relationships.
Expert understanding of credit underwriting fundamentals for RE secured credits (Land Acquisition, Construction, Transitional/Bridge, and Permanent Financing).
Maintaining a strong presence in the local community through active involvement and leadership in professional organizations and events.
Managing cross-company partnerships and alliances to acquire and drive business opportunities.
Structuring and negotiating complex CRE loan term sheets and loan documents in partnership with counsel.
Maintaining a high-quality loan portfolio by supporting underwriting and portfolio management teams, monitoring loan policy exceptions, reviewing credits, ensuring loan covenant compliance, and conducting site inspections.
Making regular presentations to Loan Committee and other Senior Managers, demonstrating high-level effective communication and presentation skills.
Reviewing appraisals, appraisal reviews, cost analyses, and environmental reports for compliance with approved terms, Bank policy, and regulatory requirements.
Coaching and mentoring junior relationship managers.
Demonstrating excellent understanding of complex SWAPs and other Hedging instruments.
Possessing a capital market perspective and proven ability to sell loan participations and syndicated loans.
Identifying credit risks, recommending action plans to improve/resolve problems, and avoiding potential losses.
Ensuring preventive measures are carried out to comply with current rules, regulations, and internal policies related to BSA, USA Patriot Act, OFAC, and other AML issues.
Identifying, evaluating, monitoring, and recommending actions to the Risk Management Committee to assess, reduce, eliminate, or control current or prospective risks to earnings or capital arising from violations of laws, rules, regulations, practices, policies, or ethical standards.