Commercial Underwriter I

Ameris Bank•Jacksonville, FL

6d•Onsite

About The Position

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 position will require direct client contact, providing financial analysis to maximize profitability, and is a valuable member of the support team for the client. Other duties as assigned.

Requirements

Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
Strong credit and analytical skills.
Highly developed communication skills including the ability to write clear and concise credit correspondence.
Ability to work independently and effectively manage multiple priorities.
Ability to advocate persuasively.
Highly proficient in Moody’s software and cash flow analyses.
Expertise in financial computer applications (primarily Microsoft Excel) and database management tools.
Minimum of 3 years’ experience analyzing and/or structuring loan transactions in a corporate lending environment, including developing complex cash flows and analyses
An undergraduate degree is required with focus in the areas of finance, economics, or accounting preferred

Responsibilities

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