Government Guarantee Lending Underwriter (Remote)

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, youll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customers 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. The GGL Underwriter will require 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

• Facilitate the receipt of financial updates on lending relationships.
• Exhibit a thorough understanding of the Ameris Bank credit culture and the terms and conditions under which loans should be presented and closed.
• Assist with the monitoring of the loan portfolio through report preparation and maintenance.
• Maintain awareness of Ameris Bank products and services and how they can be offered to clients and prospects.
• Perform financial covenant testing for borrowers.
• Prepare Market Studies and Annual Reviews as needed.
• 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.
• Participate in business development efforts with Account Officers which would include prospect call support and identifying potential additional product needs during underwriting.
• Assist with the presentation of loan requests to the respective committees for approval.
• Manage all needed resources that will efficiently obtain the credit approval of loans requiring approvals above individual officer limits.
• Work with Commercial Banking Assistants, Account Officers, and other providers to manage the closure and funding of loans.
• Assist with the preparation of detailed analysis of borrower's financials for moderate-to-high 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.
• Communicate material financial changes or covenant non-compliance within existing relationships to the Regional Credit Officer.

Required Knowledge, Skills And Competencies

• Exceptional credit and analytical skills.
• Highly developed communication skills including the ability to write clear and concise credit correspondence.
• Familiarity with SBA and/or USDA SOPs
• Capability to independently and proactively manage various relationships and effectively manage multiple priorities.
• Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
• Ability to advocate persuasively.
• Expertise in financial computer applications (primarily Microsoft Excel) and database management tools
• Highly proficient in Moodys software and cash flow analyses.

Industry And Work Experience

• Minimum of 4 years experience analyzing and/or structuring loan transactions in a corporate lending environment, including developing complex cash flows and analyses
• 5 years' experience working in the SBA and/or USDA line of business is required.

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.

• Education Assistance
• Employee Referral Incentive
• Pet Insurance
• Verizon Discount (Associated discount up to 18%)
• Employee Resource Groups
• Paid Sick and Vacation Leave
• Health Savings Account
• Employee Assistance Program
• Long-Term Disability Coverage
• Wellness Discounts for Medical Premiums and Other Rewards
• Supplemental Life & Other Insurance Plans
• 401(k) Retirement Plan
• Employee Stock Purchase Plan
• Employee Advocacy Program
• 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
• Legal Insurance
• 11 Holidays
• Health Reimbursement Arrangement
• Flexible Spending Accounts
• Ameris Bank matches 50% of your first 8% of contributions to the plan
• Volunteer/Service Day
• Medical, Dental and Vision Insurance
• Accidental Death & Dismemberment Coverage
• Tickets at Work (Entertainment discounts for Ameris Bank Employees)
• Identity Theft Protection
• Life Insurance provided at no additional cost to employees

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
• Free Online Banking and Free Unlimited Online Bill Payment
• Employee Banking Perks
• Discount on Mortgage Origination Fee

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.