Government Guarantee Lending Special Assets

Ameris Bank•Pooler, GA

About The Position

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, you’ll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer’s 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 purpose and how you can bring it to life as an Ameris Bank teammate. Job Summary The Government Guarantee Lending Special Assets role is responsible for the management, monitoring, and resolution of delinquent, non performing, and otherwise adversely classified SBA and USDA guaranteed loans. This role focuses on identifying, analyzing, and executing the most cost-effective strategies to mitigate risk, maximize recovery, and preserve government guarantee eligibility. The position works closely with internal partners, external vendors, legal counsel, and government agencies to ensure regulatory compliance, accurate reporting, and timely loan resolution. Performs other projects and duties as assigned.

Requirements

Demonstrates sound judgment and strong decision‑making skills when evaluating loan performance, identifying risks, and recommending appropriate actions.
Strong verbal and written communication skills, including interaction with regulators, attorneys, and senior management.
Works well in a team-oriented environment, fostering positive working relationships while also demonstrating the ability to work independently.
Possesses strong organizational skills with exceptional attention to detail, enabling efficient multitasking and accurate prioritization of workloads in a fast‑paced environment.
Maintains intermediate to advanced proficiency in Microsoft Office applications, including Excel, Word, and Outlook, with the ability to leverage technology to improve efficiency and reporting accuracy.
Ability to manage a high‑volume portfolio of complex credits with competing priorities.
Proficiency in PCFS Loan Manager, nCino, USDA Lender Interactive Network Connection (LINC), and E‑Tran.
Minimum of 10 years of direct experience in SBA/USDA Special Assets experience.
Prior experience working with outside counsel and managing SBA litigation processes and USDA litigation processes.
Bachelor’s degree required.

Responsibilities

Manage a portfolio of delinquent, non‑performing, and adversely classified SBA and USDA loans.
Develop and execute action plans to resolve distressed credits, including loan modifications, forbearance, liquidation, and recovery strategies.
Coordinate with Portfolio Managers on early‑stage credits to establish long‑term resolution strategies prior to Special Assets transfer.
Analyze borrower financial statements, cash flow, and collateral to assess risk, impairment, and recovery potential.
Perform all required SBA and USDA‑related due diligence activities to ensure compliance with program requirements and preserve the bank's ability to obtain the full guarantee at the appropriate time.
Maintain current knowledge of laws and regulations governing credit, collections, and bankruptcy.
Prepare and maintain weekly, monthly, and quarterly internal reports related to delinquency, workout status, resolutions, and recoveries.
Serve as a mentor and subject‑matter resource for junior team members, assisting with complex loan issues, SBA compliance interpretation, and professional development.
Conducts portfolio‑wide audits and internal reviews to identify emerging credit risks, operational gaps, and process improvement opportunities.

Benefits

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)
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 Free Unlimited Online Bill Payment
Employee Banking Perks