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Commercial Relationship Manager II, Houston TX

Company: Amerant Bank
Location: Houston
Posted on: May 4, 2021

Job Description:

Commercial Relationship Manager II, Houston TX The Relationship Manager II - Commercial is responsible for promoting and cross-selling products and services with the objective of servicing, maintaining, developing new relationships, increasing bank revenues and identifying current and potential business opportunities for the Bank. Duties and responsibilities include:

  • Promote and cross-sell various products and services through telephone calls, mailing notices and face-to face visits, with the objective of servicing, maintaining, developing new relationships, increasing the deposit and loan portfolio, increasing bank revenues and identifying current and potential business opportunities for the bank. Provide personalized attention to all bank customers in order to provide better service, attract and attain new customers and increase the presence of Amerant Bank in the market.
  • Know and increase the Share of Wallet of a customer in order to retain them and keeping them engaged increasing their lifetime value.
  • Develop and maintain commercial banking relationships with businesses established in the Houston and Texas regions. Provide financial solutions to satisfy commercial business needs, establish new and/or developing existing deposit and loan relationships within this target market in order to achieve established production goals for assigned region.
  • Extensive knowledge of credit and underwriting standards in accordance with the bank's credit policy guidelines. The ability to evaluate, monitor, analyze, and control overall quality of existing credit portfolio, including related depository relationships and their activity; develop strategies to accommodate customer needs, focusing on adequate growth of relationships. Make recommendations for approval of lines of credit, commercial real estate and term loans. Make presentations to Loan Committee when required for approval of commercial credit transactions. Approve loans and other banking transactions within lending authority.
  • Evaluate and take action to adequately manage and control customer overdraft and uncollected funds transactions following approval limit guidelines in order to accommodate and service customers in a financially feasible and prudent manner, with minimum risk exposure to the bank.
  • Assist the Business Manager in the supervision of the commercial banking area to ensure that bank customers are provided with excellent service. MAGNITUDE Develop and maintain a portfolio of quality relationships in order to contribute to team goals with the following metrics:
    • Total Portfolio of $30 million.
    • Average deposit production of approximately 25% of loan production.
    • Participate in promotional and informative activities regarding bank products and financial services within the community.
    • Review daily, weekly and monthly reports.
    • Review transaction activity in work being processed.
    • Identify needs of customers and prospects in a satisfactory manner, providing optimum customer service while complying with bank policy and federal regulations.
    • Verify that loan requests are within established internal credit policies prior to forwarding to Credit Services Department, with subsequent communication of any outcome to the applicant concerning their approval/denial status of such application.
    • Analyze, underwrite and recommend commercial loan applications.
    • Review loan documentation prior to loan closings and check for accuracy.
    • Coordinate loan closings, loan bookings and the preparation of Credit Files.
    • Review and approve overdraft and uncollected transactionsMinimum Education and/or Certifications Requirements: Bachelor's degree in business administration, banking, finance or accounting. Minimum Work Experience Requirements: 3+ years' experience in banking experience in the areas of business development and managing diversified lending relationshipsTechnical and/or Other Essential Knowledge: Strong commercial lending and credit experience including formal credit training, sales and customer service techniques. Must possess a successful track record in business development.Proficiency using Microsoft Office 365 products including MS Word, MS Visio, MS Excel, MS Teams, and MS PowerPoint

Keywords: Amerant Bank, Houston , Commercial Relationship Manager II, Houston TX, Executive , Houston, Texas

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