Commercial Relationship Manager

Ameris Bank•Tampa, FL

About The Position

The Commercial Relationship Manager sets and executes business development and sales strategies to acquire commercial and consumer business within an assigned market. The role meets with business customers, high-net-worth individuals, and prospects to understand their needs and provide tailored loan, deposit, and service solutions. It is accountable for market objectives and deposit and loan growth, and for servicing an extensive and complex customer portfolio while demonstrating Ameris Bank’s vision, purpose, expectations, and values. The position manages portfolios of at least $50 million in deposits and $75 million in loans, with attention to low-cost deposits, margin, revenue, credit quality, and profitability. It analyzes customer financial information and creditworthiness, structures complex opportunities, presents relevant information to the Loan Committee, and oversees portfolio documentation, compliance, and collections. The role also coordinates portfolio management with colleagues, develops business relationships through networking and community activities, collaborates with other business lines, and provides assistance and training to team members. Other projects and duties may be assigned.

Requirements

Six or more years of Commercial Banking experience or experience in a related field.
Bachelor’s degree preferred, or equivalent education and related training or experience required.
Ability to analyze markets, identify prospects, and develop and execute consultative, value-added sales strategies.
Ability to meet and exceed established targets.
Ability to negotiate, build consensus, maintain collaborative relationships, and manage and resolve conflict.
Ability to communicate effectively and persuasively using professional language and grammar.
Ability to plan, schedule, and organize work to achieve strategic goals within or ahead of established time frames.
Ability to research and analyze information, identify viable options, draw sound conclusions, present findings, and make recommendations that consider risk and short- and long-term impact.
Ability to provide high-quality interactive service, build relationships, and address identified needs.
Computer and Microsoft Office proficiency.
Thorough knowledge of banking compliance policies and procedures.
Knowledge of cost accounting, financial analysis, and commercial and consumer credit principles.
Thorough knowledge of banking policies, procedures, products, and services.
Leadership skills and ability to coach and mentor.
Knowledge of the relevant geographic market.
Adhere to Bank Secrecy Act requirements and organizational policies and procedures.
Apply sound business acumen and risk-management expertise when assessing loan and deposit opportunities.

Nice To Haves

Bachelor’s degree.

Responsibilities

Set business development strategy for the assigned market and identify opportunities to acquire commercial and consumer business.
Make sales calls and visits to existing clients and prospects, including business customers and high-net-worth individuals, to understand needs and recommend suitable bank solutions.
Attain deposit and loan growth and other market objectives established by Bank leadership.
Maintain and service a deposit portfolio of $50 million or more, emphasizing acquisition of low-cost deposits in line with bank objectives.
Maintain and service a loan portfolio of $75 million or more while meeting margin and revenue objectives.
Maintain the quality, profitability, and growth of business and consumer products through appropriate pricing and fees.
Use need-based sales techniques to attract, expand, and retain customer relationships and identify additional products and services that address customer needs.
Collect and analyze financial information, including loan applications, tax returns, income statements, and bank statements, to assess viability, determine cash flow, and perform ongoing credit-grade determinations within policy guidelines.
Identify and structure large, complex loan and deposit opportunities that optimize credit quality and profitability.
Coordinate portfolio management with a team that may include Credit Analysts and Commercial Banking Specialists.
Prepare and present accurate, comprehensive, and relevant information to the Loan Committee for loan approval.
Oversee portfolio quality control, including appropriate documentation, compliance, and collection efforts.
Maintain knowledge of banking products, programs, services, and promotions.
Use Customer Relationship Management systems to track sales efforts and prospects.
Ensure compliance with internal controls, operational procedures, risk management policies, and Bank Secrecy Act requirements.
Represent the Bank in business development, networking, and community activities.
Develop partnerships and collaborate with other lines of business to achieve shared goals and better serve customers.
Provide assistance and training to team members.
Practice ethical sales behaviors, acting in customers’ best interests when offering products and services.
Perform other projects and duties as assigned.

Benefits

Medical, dental, and vision insurance; coverage eligibility begins 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 with a 50% employer match on the first 8% of employee contributions.
Flexible Spending Accounts.
Health Savings Account.
Health Reimbursement Arrangement.
Supplemental life and other insurance plans.
Identity theft protection.
Pet insurance.
Legal insurance.
Employee Assistance Program.
Employee Advocacy Program.
Tickets at Work entertainment discounts.
AT&T employee discount.
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 unlimited online bill payment.
Employee banking perks.