Essential Functions, Duties, and Responsibilities:

Strictly adheres to Bank Secrecy Act requirements and applies organizational policies and procedures in all activities.
Maintains the quality, profitability and growth of business and consumer products through appropriate pricing and fees.
Demonstrates effective sales strategies to attract, expand and retain customer relationships.
Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
Maintains and services a target portfolio of $10M or more in deposits with emphasis on acquisition of low cost deposits meeting bank objectives.
Maintains and services a target portfolio of $20M or more in loans which meet margin and revenue objectives.
Thoroughly collects and analyzes customer and prospect financials to assess viability.
Reviews loan applications, tax returns, income statements, bank statements and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
Facilitates loan approval processes; prepares and delivers documents and presentations for the Officer Loan Committee for loan approval.
Oversees ongoing quality control for a portfolio by executing proper documentation, compliance and collection efforts.
Maintains knowledge of banking products, programs, services and promotions.
Responsible for achievement of market objectives as set by Bank leadership.
Uses Customer Relationship Management systems to track sales efforts and prospects.
Ensures compliance with internal controls, operational procedures and risk management policies.
Represents the Bank in business development efforts and at networking and community functions.
Develops partnerships and collaborates with other lines of business to attain mutual goals and better serve customers.
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.

Required Knowledge, Skills and Competencies:

Ability to analyze markets, identify prospects, develop and execute consultative, value-added sales techniques and strategies.
Ability to meet and exceed established targets.
Ability to negotiate, drive consensus, maintain collaborative relationships, manage and resolve conflict.
Ability to effectively and persuasively express self, using language and grammar in a professional manner.
Ability to plan, schedule and organize a professional schedule to achieve strategic goals within or ahead of established time frames.
Ability to research, analyze, identify viable options, draw sound conclusions, present findings and make thoughtful recommendations considering overall risk and short-term and long-term impact.
Ability to provide a high level of interactive service to others, building relationships and addressing identified needs.
Computer and Microsoft Office proficiency.
Thorough knowledge of banking compliance policies and procedures.
Knowledge of cost accounting, financial analysis, commercial and consumer credit principles.
Thorough knowledge of banking policies, procedures, products and services.
Knowledge of relevant geographic market.

Industry and Work Experience:

3 or more years of experience in credit analysis, business banking or related field.

Academic:

Bachelor's degree preferred or equivalent education and related training or experience required.

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) AT&T Employee Discount 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. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicantss of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor. Ameris Bank understands that your financial well-being is deeply personal. Whether it's managing your hard-earned money, growing your business, or buying a home, you deserve a financial partner who truly sees and hears you. That's why Ameris Bank is fiercely committed to being by your side every step of the way, offering tailored financial solutions designed to empower you to achieve your goals. Don't see an opening? 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