Ameris Bank

• Perform full case investigations of customer activity escalated from alert assessments • Ensure timely identification and filing of suspicious activity • Analyze customer activity to make independent judgements of whether the activity is suspicious and requires reporting to the federal government • Draft reports and document analysis in a logical manner that sufficiently supports decisions • Working with front line staff to obtain any information that would be helpful during the alert assessment and analysis • Apply critical thinking skills to recognize patterns, trends and inconsistencies within transactional and customer data to detect, prevent, mitigate and report potentially suspicious activity • Understand complex issues and customer risks associated with money laundering, terrorist financing, financial crimes or other legal and reputational risks • Draft suspicious activity reports to be transmitted to the federal government • Stay current with money laundering and terrorist financing behaviors, trends, patterns and typologies • Stay current with rules, laws and regulations • Maintain attention to detail

• Responsible for sales efforts to originate and close mortgage loans. • Maintain an active Ameris Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements. • Establish and maintain all client relationships with realtors, builders, developers, branches and other referral agents on an ongoing basis. • Contact in person or by phone potential or existing customers to develop new business or retain existing business. • Counsel customers on all products the customer is eligible to obtain ensuring the product chosen best fits their financial needs. • Assist customers with completing the loan application, provide/explain required initial documentation and disclosures according to the required timelines. • Oversee loan process by monitoring loan status and ensuring conformity with terms. • Communicate to loan processors regarding coordination of workflow and files in process. • Adhere to established minimum fees and product pricing structure. • Attend all purchase loan closing transactions on behalf of Ameris Bank Mortgage as required. • Keep informed on all Ameris Bank Mortgage loan programs and adhere to all regulatory and compliance requirements. • Meet and exceed the minimum production standards as detailed in the compensation agreement.

• Assist the Compliance Advisory Manager or other leader as appropriate in ensuring an effective compliance management system. • Ensure adequate policies and written 1st and 2nd line of defense procedures are in place for compliance with all related regulations for areas assigned. • Consult with business and operations units on compliance matters as well as compliance risk assessments. • Provide compliance guidance in product or operational change initiatives. • Review and approve advertising marketing material. • Review and monitor findings while consulting with line of business on corrective action. • Track issues and corrective action in AuditBoard. • Conduct deep-dive compliance reviews and prepare management reports on findings. • Evaluate regulatory changes for business impacts. • Provide leadership, coaching, and/or mentoring to more junior staff. • Assist internal audits and examinations and corrective action as applicable. • Prepare reports for management and Enterprise Risk Committees on compliance performance, emerging compliance risks and corrective action measures. • Participate in Compliance, Risk and other management committees as needed.

• Responsible for sales efforts to originate and close mortgage loans • Maintain an active Ameris Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements • Establish and maintain all client relationships with realtors, builders, developers, branches and other referral agents on an ongoing basis • Contact in person or by phone potential or existing customers to develop new business or retain existing business • Counsel customers on all products the customer is eligible to obtain ensuring the product chosen best fits their financial needs without steering a customer to any particular product • Assist customers with completing the loan application, provide/explain required initial documentation and disclosures according to the required timelines, and submit loan applications within required timelines • Oversee loan process by monitoring loan status and ensuring conformity with terms • Communicate to loan processors regarding coordination of workflow and files in process and assist in collecting additional documents and communicating loan status to all parties in a timely manner • Adhere to established minimum fees and product pricing structure • Network through industry related functions, professional, business and community organizations and activities to promote and market loan products on a monthly basis • Attend all purchase loan closing transactions on behalf of Ameris Bank Mortgage as required • Communicate with branch manager on a regular basis to update them on sales call efforts • Meet regularly with loan processor to review pipeline report for accuracy and status • Work with branch managers and other sales personnel to support bank cross-selling opportunities and other initiatives • Keep informed on all Ameris Bank Mortgage loan programs and adhere to all regulatory and compliance requirements • Meet and exceed the minimum production standards as detailed in the compensation agreement • Attend all required meetings • Complete all required training • Adhere to work schedule as designated by manager • Practices ethical sales behaviors in accordance with Ameris' core values of Integrity and Honesty; always acts in the best interest of the customer when offering additional products and services

Role Description Responsible for handling all customer communications primarily in the collections division in a friendly, professional, and timely manner. Partnering with the vendor and sales team to establish and maintain a cohesive team atmosphere to best serve the customer. - Handle all customer communications in a friendly, professional, and timely manner. - Handle incoming calls, e-mails, and written correspondence. - Collect delinquent payments and handle administrative calls. - Coordinate interdepartmental responsibilities to ensure a timely customer response. - Process billing and insurance inquiries, customer complaints, payoffs, and other tasks assigned. - Maintain a working knowledge of company policies and procedures. Qualifications - Ability to proactively manage daily responsibilities for assigned tasks. - Ability to interact with management daily for problem resolution. - Must be able to multi-task responsibilities. - Strong verbal and written skills required. - Microsoft Office (Word, Excel and Outlook). Requirements - A minimum of 2 years of experience in customer service/collections. - High school diploma or GED required. - Bachelor’s degree in finance or related field preferred. Benefits - 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). - AT&T Employee Discount. - Wellness Discounts for Medical Premiums and Other Rewards. - Employee Referral Incentive. - Education Assistance. - Employee Resource Groups. Company Description 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 purpose and how you can bring it to life as an Ameris Bank teammate.

• Developing and managing sales and relationship management for this channel • Managing existing relationships with the specific goal of solidifying and growing profitable relationships • Developing and executing the growth strategy of the business channel • Setting and managing strategies to optimize resources, enhance market presence, and drive high performance • Managing marketing strategy for the channel in concert with marketing and leadership team • Creating and developing programs for channel and ensuring its implementation • Developing metrics for third party, MGA and carrier programs, and ensuring the successful achievement sales goals • Maintaining sales management and reporting tools to achieve business objectives • Developing effective sales strategy and ensuring its timely implementation • Traveling throughout the country to assess performance, resolve problems, communicate directives, and drive engagement with business partners and sales employees • Formulating and implementing policies, sales management procedures and processes • Managing client relationships and working with sales reps and account executives • Keeping current with demand and supply of company’s services, changing trends and its competitors • Developing creative sales technique and tactics to meet business goals • Developing sales presentations and RFP’s for clients • Recruiting and training sales employees for effective delivery • Participating in market strategy building by providing useful information from sales activities • Working with Director of Operations and technology team to ensure infrastructure and procedures evolve to support channel growth, and provide solutions required by third party and program partners • Managing budgets, reviews and approving expenditures • Maintaining working knowledge of bank policies and procedures

Role Description Responsible for playing an important role within the Financial Crimes Compliance group by performing Quality Control oversight of alert assessments, case investigations, EDD reviews, and/or SAR reviews. This role will ensure the Bank performs effective QC oversight, identifying, documenting, reporting and tracking regulatory and policy violations as well as significant risk issues to the Investigations team supervisor and other AML Management. Performs other projects and duties as assigned. - Conduct reviews of alert assessments, case investigations, EDD reviews, and/or SAR reviews and other documents as a secondary control to determine appropriate analysis was performed. - Perform CTR reviews and/or approvals. - Report and track quality control results. - Determine necessary follow-up action relating to findings resulting from quality control reviews. - Draft quality control scorecards to report summaries to management. - Provide feedback to AML operations staff as well as management. - Provide coaching and training to AML operations staff on QC and industry topics periodically. - Act as the Bank's designated mandated reporter with regard to Elder Financial Exploitation reports by state. - Perform QC reviews on department reports as needed. - Analyze and communicate proposed enhancements to address identified risks or gaps in processes. - Stay current with money laundering and terrorist financing behaviors, trends, patterns and typologies. - Stay current with rules, laws and regulations. Qualifications - Computer literacy and proficiency in Microsoft Office suite. - Working knowledge of a bank operating environment and applicable systems preferred. - Working knowledge and understanding of BSA/AML rules, laws and regulations including the USA PATRIOT Act. - Sound oral and written communication skills. - Sound critical thinking ability. - Sound analytical, problem solving and organizational skills. - Ability to be a self-starter. - Ability to build relationships. Requirements - 2 – 5 years direct AML experience required. - Bachelor’s degree in Economics, Accounting, Finance, Criminal Justice or related field required. - Certified Anti-Money Laundering (CAMS) certification strongly preferred. Benefits - 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). - AT&T Employee Discount. - Wellness Discounts for Medical Premiums and Other Rewards. - Employee Referral Incentive. - Education Assistance. - Employee Resource Groups.

Role Description 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. The position requires direct client contact, providing financial analysis to maximize profitability, and is a valuable member of the support team for the client. Other duties as assigned. - Provide loan structure guidance and apply analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies. - Work with 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. Qualifications - Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects. - Exceptional credit and analytical skills. - 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. Requirements - Minimum of 5 years’ experience analyzing and/or structuring loan transactions in a corporate lending environment, including developing complex cash flows and analyses. - An undergraduate degree is required with focus in the areas of finance, economics, or accounting preferred. Benefits - 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). - AT&T Employee Discount. - Wellness Discounts for Medical Premiums and Other Rewards. - Employee Referral Incentive. - Education Assistance. - Employee Resource Groups. - Banking Advantages for Employees: - 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.

• Conducts quality assurance reviews on booked loan transactions • Reviews the loan documents to confirm loan data entered on the system is accurate and complies with bank policy to ensure all loans are properly booked • Ensure timely escalation of any operational risk or customer impact to relevant manager and ensures corrections are made timely to reduce the risk of impact to the customer • Reviews loans which have escrow for accuracy and ensures the setup on the operating system is accurate and that all escrows are set up as described on the escrow disclosure • Reports deficiencies on a timely basis to management, enters the error for tracking purposes and confirms the corrections have been made • Understands and ensures the bank coding for swap loans, participations and syndications is accurate • Conduct root cause analysis by identifying weaknesses within a certain process or area and reports this information to management • Provide updates at regular meetings with Loan Operations, Risk Controls, Compliance etc. • Interacts with immediate supervisor and team members regarding loan documentation or procedures if there are questions or concerns • Completes needed training for other Loan Operations staff members as assigned • Responsible for ensuring that the Bank's internal and external customers receive an adequate level of service and ensures all questions or concerns have been addressed • Strictly adheres to Bank Secrecy Act requirements, applies organizational policies and procedures in all activities • Adheres to all regulatory laws and adheres to compliance policies and regulations • Completes assigned regulatory compliance training courses

Role Description Supports the Customer Service Center by monitoring and scoring phone calls to ensure authentication procedures are followed and predetermined metrics are met. Assists the leadership team with developing strategies to improve the customer call experience. Demonstrates the three Ameris Approach Experience Expectations: Attention, Understanding, and Personal. Performs other projects and duties as assigned. - Aware of BSA requirements and strictly adheres to them in daily business activities - Supports leadership by providing multichannel quality review - Collaborates with the leadership team to develop and update monitoring forms to ensure correct operational and quality objectives are reached - Ensures verbal/written communications are professional - Utilizes proper telephone etiquette and techniques - Provides accurate and timely reports to agents, supervisors and site leadership teams highlighting trends - Updates and maintains call monitoring documentation - Maintains an organized system of reporting that is transparent Qualifications - Excellent written and verbal communication skills - Good organizational skills with attention to detail - Excellent work ethic - Proven ability to problem solve and handle a wide range of decision making - Demonstrable commitment to quality customer service - Ability to manage multiple demands, prioritize appropriately and complete or respond on a timely basis - Proficiency in Microsoft Office applications Requirements - 3 or more years of customer service or call center experience required - 2 or more years of experience in financial services or treasury services preferred - High school diploma or GED required - Bachelor’s degree preferred or equivalent education and related training or experience required Benefits - Medical, Dental and Vision Insurance - 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 with a 50% match on the first 8% of contributions - 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) - AT&T Employee Discount - Wellness Discounts for Medical Premiums and Other Rewards - Employee Referral Incentive - Education Assistance - Employee Resource Groups