Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app.

Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you’ll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer’s needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.

Responsible for working with Credit Administration and the Market Bank on loan structure and terms, leading loan requests through the credit approval process, and assisting with the overall portfolio management. This role has a focus on medium to large complex C&I and Middle Market C&I credit opportunities inclusive of pre-screening opportunities and full underwriting on new and existing commercial relationships. The position requires direct client contact, providing financial analysis to maximize profitability, and is a valuable member of the support team for the client. Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

• Provide loan structure guidance and apply analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies.
• Work with Relationship Manager and Regional Credit Officer in recommending appropriate structure, e.g., financial and non-financial covenants, and any special approval conditions.
• Facilitate the receipt of financial updates on lending relationships.
• Assist with the preparation of detailed analysis of borrower's financials for highly complexity new and renewal loans, and prepare Loan Committee approvals and updates as needed.
• Prepare or assist in the preparation of concise, well-reasoned, credit memorandums to maintain timely administration of the loan portfolio.
• Assist with the monitoring of the loan portfolio through report preparation and maintenance. 
• Perform financial covenant testing for borrowers.
• Communicate material financial changes or covenant non-compliance within existing relationships to the Regional Credit Officer.
• Prepare Market Studies and Annual Reviews as needed.
• Manage all needed resources that will efficiently obtain the credit approval of loans requiring approvals above individual officer limits.
• Assist with the presentation of loan requests to the respective committees for approval.
• Work with Commercial Banking Assistants, Account Officers, and other providers to manage the closure and funding of loans.
• Participate in business development efforts with Account Officers which would include prospect call support and identifying potential additional product needs during underwriting.
• Exhibit a thorough understanding of the Ameris Bank credit culture and the terms and conditions under which loans should be presented and closed.
• Maintain awareness of Ameris Bank products and services and how they can be offered to clients and prospects.

Required Knowledge, Skills and Competencies:

• Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
• Exceptional credit and analytical skills inclusive of extensive experience in the medium to large C&I/Middle Market space.
• Highly developed communication skills including the ability to write clear and concise credit correspondence.
• Capability to independently and proactively manage various relationships and effectively manage multiple priorities.
• Ability to advocate persuasively.
• Highly proficient in Moody’s software and cash flow analyses.
• Expertise in financial computer applications (primarily Microsoft Excel) and database management tools.

Industry and Work Experience:

• Minimum of 5 years’ experience analyzing and/or structuring complex commercial loan transactions in a corporate lending environment and C&I and/or Middle Market space, including developing complex cash flows and analyses

Academic:

• An undergraduate degree is required with focus in the areas of finance, economics, or accounting preferred

Benefits Available to Employees:
Ameris Bank provides a comprehensive employee benefit package to all eligible employees.

• Medical, Dental and Vision Insurance
  • Ameris Bank absorbs a major portion of the cost of healthcare. You become eligible for coverage on the first of the month following 30 days of employment
• Life Insurance provided at no additional cost to employees
• Accidental Death & Dismemberment Coverage
• Long-Term Disability Coverage
• Paid Sick and Vacation Leave
• 11 Holidays
• Volunteer/Service Day
• Employee Stock Purchase Plan
• 401(k) Retirement Plan
• Ameris Bank matches 50% of your first 8% of contributions to the plan
• Flexible Spending Accounts
• Health Savings Account
• Health Reimbursement Arrangement
• Supplemental Life & Other Insurance Plans
• Identity Theft Protection
• Pet Insurance
• Legal Insurance
• Employee Assistance Program
• Employee Advocacy Program
• Tickets at Work (Entertainment discounts for Ameris Bank Employees)
• Wellness Discounts for Medical Premiums and Other Rewards
• Employee Referral Incentive
• Education Assistance
• Employee Resource Groups

Banking Advantages for Employees:
In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.• Free Interest Checking

• Free Safe Deposit Box
• Free Money Orders, Travelers’ Checks and Cashier Checks
• Discount on Mortgage Origination Fee
• Free Online Banking and Free Unlimited Online Bill Payment
• Employee Banking Perks

Disclaimer:
The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.

All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.