Commercial Banker
Ameris Bank
- Charlotte, NC
- Permanent
- Full-time
- Strictly adheres to Bank Secrecy Act requirements and applies organizational policies and procedures in all activities.
- Identifies business development opportunities and makes sales calls to existing clients and prospects.
- Maintains the quality, profitability and growth of products through appropriate pricing and fees.
- Services a portfolio of clients, cultivates customer relationships and acts as banking consultant to understand client needs, customize solutions and provide consultative expertise.
- 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.
- Maintains and services a large deposit portfolio with emphasis on acquisition of low cost deposits meeting bank objectives.
- Maintains and services a portfolio of $90MM and more in loans which meet margin and revenue objectives. Portfolio size is a soft guideline and may be adjusted based on market.
- Thoroughly collects and analyzes customer and prospect financials and other relevant data to assess viability, determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
- Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
- Applies a high level of business acumen and credit risk management expertise to assess the viability of large, complex loan and deposit opportunities.
- Prepares and articulates accurate, comprehensive, relevant information to the 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 goals 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.
- Ability to analyze markets, identify prospects, develop and execute consultative, value-added sales techniques and strategies.
- Driven to meet and exceed established targets.
- Ability to negotiate, drive consensus, addressing identified needs, interactive service to others, building and maintaining collaborative relationships, manage and resolve conflict externally and internally.
- 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.
- Computer and Microsoft Office proficiency.
- Knowledge of regulatory banking compliance policies and procedures.
- Ability to apply thorough knowledge of cost accounting, financial analysis, and credit principles to assess credit viability and proper loan structuring.
- Knowledge of internal banking policies, procedures, products and services.
- Knowledge of relevant geographic market.
- Minimum of 8 years of Commercial Banking experience or related field.
- Experience in leadership role.
- High school diploma or GED required.
- Bachelor’s degree or equivalent combination of education and experience preferred.
- 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
- 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