Commercial Relationship Manager

Ameris Bank•Beaufort, SC

3d•Onsite

About The Position

Ameris Bank is a purpose-driven company dedicated to bringing financial peace of mind to communities. We serve customers across the Southeast, Mid-Atlantic, and nationwide through digital offerings and a mobile app. Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you’ll find inclusive, collaborative problem-solvers who go the extra mile to support one another and meet every customer’s needs. We foster an environment that prioritizes continuous improvement and empowers teammates to bring their diverse perspectives to the table. Employee Resource Groups serve as advocates and provide opportunities to bring purpose to life as an Ameris Bank teammate.

Requirements

Minimum of 6 or more years of Commercial Banking experience or related field required.
High school diploma or GED required.
Bachelor’s degree or equivalent of education and related training or experience required.
Driven to meet and exceed established targets.
Ability to negotiate, drive consensus, maintain collaborative relationships, and 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.
Intermediate proficiency in Microsoft Office.
Knowledge of regulatory banking compliance policies and procedures and internal banking products and services.
Knowledge of relevant geographic market.
Knowledge of cost accounting, financial analysis, and commercial and consumer credit principles.
Demonstrates leadership skillset with ability to coach and mentor.

Responsibilities

Attainment of deposit and loan growth objectives and services an extensive, complex customer portfolio and market.
Setting business development strategy and executing sales production efforts to acquire new commercial and consumer business within the market area.
Making sales calls and visits to business customers, high net worth individuals, and prospects to understand client needs, customize solutions, and meet loan, deposit, and service needs.
Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
Maintains the quality, profitability, and growth of business and consumer products through appropriate pricing and fees.
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 deposit portfolio of $50M or more, or has the demonstrated ability to grow the portfolio to a minimum size of $50M, with emphasis on acquisition of low-cost deposits that meet bank objectives.
Maintains and services a loan portfolio of $75M or more, or has the demonstrated ability to grow the portfolio to a minimum size of $75M, while meeting margin and revenue objectives.
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.
Applies a high level of business acumen and credit risk management expertise to identify and structure large, complex loan and deposit opportunities.
Prepares and articulates accurate, comprehensive, and relevant information to the Loan Committee for loan approval.
Oversees ongoing quality control for a portfolio by executing proper documentation, compliance, and collection efforts.
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.
Provides assistance and training to team members.
Coordinates portfolio management functions collaborating through a team which may include Credit Analysts and Commercial Banking Specialists.
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.