Working Capital Relationship Manager IV

Amerantbank•Plantation, FL

About The Position

The Working Capital Relationship Manager IV originates and structures trade finance and asset-based lending (ABL) transactions within the Working Capital Solutions business unit. The role sources opportunities and leads transactions through credit approval, documentation, and funding; develops and maintains client and partner relationships; maximizes share of wallet and product penetration; and promotes bank products and services to grow relationships, deposits, loans, and revenue. The position also supports risk distribution, portfolio monitoring, platform operations, business planning, and the development of analysts and associates. The role requires extensive knowledge of credit and underwriting standards and the ability to evaluate, monitor, analyze, and control portfolio quality and related depository relationships. It includes working on commercial credit and commercial real estate loan presentations when Credit Committee approval is required, approving loans and other transactions within lending authority, and managing overdraft and uncollected-funds activity within approval limits. The manager reviews account activity and helps ensure compliance with bank policies and applicable laws and regulations, including BSA, the USA PATRIOT Act, and OFAC requirements. The role also represents Amerant Bank, N.A. in community and economic development activities.

Requirements

Bachelor’s degree in business administration, banking, finance, or accounting.
At least 10 years of direct experience originating and structuring trade finance (both payables and receivables) and ABL transactions at a bank, commercial finance company, or credit fund.
Record of closed transactions, with deal sizes, structures, and counterparties the candidate can discuss.
Working knowledge of ABL underwriting, borrowing base and field exam practices, and UCC Article 9.
Familiarity with cross-border trade finance and applicable rule sets.
Exposure to syndications, participations, or other risk-distribution methods.
Strong credit judgment and financial analysis skills, including credit memo writing.
Excellent written and verbal communication skills and ability to work with clients, credit, and legal partners.
Advanced proficiency in MS Word, MS Excel, and MS PowerPoint; MS Project Level II and MS Visio Level I.
Knowledge of banking regulations applicable to lending and cash flow analysis.
Ability to work as a team player under pressure, maintain a professional image, and resolve problems and conflicts.
Ability to prioritize work, manage time effectively, and manage change.
Business communication skills, including advanced writing and listening, as well as basic office, mathematics, and customer service skills.
Professional skills in report writing, advanced statistics, presentations, creative work, budgeting, ethics management, conducting meetings, and research assessment.
Sales and negotiation skills.

Responsibilities

Originate trade finance and ABL opportunities across payables finance, supply chain finance, receivables purchase and discounting, inventory finance, forfaiting, and LC-backed structures for middle-market and large corporate clients.
Lead deal structuring from initial client discussions through close, including facility design, eligibility criteria, advance rates, borrowing base mechanics, concentration limits, covenants, and collateral and perfection under UCC Article 9.
Prepare credit submissions and present transactions to Credit; work with underwriters to advance deals through approval, documentation, and funding.
Conduct diligence on obligors, sellers, and underlying trade flows, including cross-border, sanctions, and KYC/AML considerations, in coordination with Compliance and Legal.
Support the Managing Banker in developing risk distribution capability, including participations, syndications, and warehouse or originate-to-sell arrangements.
Develop and maintain relationships with corporate clients, sponsors, non-bank partners, and other banks.
Monitor portfolio performance, borrowing base reporting, and early-warning indicators for assigned relationships.
Cross-sell treasury management, FX, and other bank products to trade finance and ABL clients.
Work with Operations and Technology on trade finance platform processes, servicing, and reporting.
Manage and develop analysts and associates; contribute to business planning and pipeline reporting.
Promote and cross-sell products and services through calls, mailings, and in-person visits to service and maintain relationships, develop new relationships, grow the deposit and loan portfolio, increase revenue, and identify business opportunities.
Provide personalized attention to bank customers to improve service, attract and retain customers, and increase the bank’s market presence.
Increase customers’ share of wallet to retain and engage them and grow their lifetime value.
Evaluate, monitor, analyze, and control the quality of the credit portfolio and related depository relationships; develop strategies to meet customer needs and support appropriate relationship growth.
Work on commercial credit and commercial real estate loan presentations when Credit Committee approval is required; approve loans and other banking transactions within lending authority.
Evaluate and manage customer overdraft and uncollected-funds transactions within approval limits, balancing customer service with prudent financial management and minimum risk exposure.
Review account activity and recommend actions to assess, reduce, eliminate, or control risks to earnings or capital arising from violations or nonconformance with laws, regulations, prescribed practices, internal policies, procedures, or ethical standards.
Ensure officers conduct business within bank policies and parameters and maintain the desired BSA exposure and risk level.
Represent Amerant Bank, N.A. in community and economic development activities, including business chambers and community-related associations.
Ensure preventive measures support compliance with current rules, regulations, and internal policies related to BSA, the USA PATRIOT Act, OFAC, and other AML matters.
Identify, evaluate, monitor, and recommend actions to the Risk Management Committee member to assess, reduce, eliminate, or control current or prospective risks to earnings or capital.