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.