Amerant Mortgage · 1 day ago
Portfolio Senior Officer
Miramar, FL, US
Full-time
Onsite
Senior Level
7+ years expAmerant Mortgage is a financial institution focused on commercial credit portfolios, and they are seeking a Portfolio Senior Officer. This role is responsible for supporting Relationship Managers by identifying risks, conducting financial reviews, and ensuring compliance with credit policies.
Financial Services
Responsibilities
Perform high-level reviews of borrower financial information upon receipt to identify:
Deteriorating performance trends
Liquidity or leverage pressure
Industry- or sector-specific risk signals
Promptly escalate identified concerns to the Relationship Manager and Credit (second line) for further review
Document early-warning observations in accordance with established PM protocols
Ensure loans are properly risk rated in a timely manner
Support Relationship Managers (RMs) during early deal structuring and origination
Conduct soft-quote / preliminary analyses to:
Assess alignment with the Bank’s risk appetite
Identify potential structural or credit weaknesses
Recommend whether a transaction should proceed to Credit or be declined early
Assist RMs in preparing preliminary proposals and materials for the deal-screening process
Collaborates with the Relationship Manager in the loan approval and closing process to ensure timely and efficient closings
Jointly accountable with RMs for the ongoing administration of customer relationships, including:
Timely receipt of borrower financial statements
Completeness of required information
Responsiveness to Credit and Risk information requests
Timely completion of annual reviews, covenant tests, post closing items and ticklers
Coordinate with the Client Support Unit (CSU) to facilitate the collection of financial and other required information
Ensure delays, missing information, or unresponsive clients are escalated appropriately
Monitor assigned industries and sectors for:
Macroeconomic trends
Emerging risk indicators
Concentration or portfolio-level issues
Provide relevant insights to:
RMs
Portfolio Management leadership
Credit and Risk partners
Monitor portfolio reports including:
Maturities
Delinquencies
Past dues
Pending annual reviews and covenant testing
Pending financials and other ticklers
Identify and escalate portfolio irregularities or adverse trends to Portfolio Management leadership
Participate in site visits or inspections, as required, and document observations
Maintain working knowledge of the Bank’s credit policies, programs, and risk appetite
Ensure activities comply with applicable regulations and internal policies, including BSA/AML, OFAC, and related requirements
Support management initiatives and special projects as assigned
Qualification
Required
Bachelor's degree in business, accounting or finance required
7+ 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
Sound time management and organizational skills required
Well organized and systematic
Must possess strong communication skills
Formal credit training required
Preferred
Master's degree preferred OR 3+ years of commercial & retail portfolio management experience in lieu of education
Experience in SQL is a plus
Salesforce, nCino, FIS IBS experience is a plus
Company
Amerant Mortgage
Amerant Mortgage help you navigate the pathway of buying a new home or refinancing your own.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Chris Fox
Chief Revenue Officer (CRO)
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