Senior Commercial Relationship Manager

Ameris Bank•Charlotte, NC

92d

About The Position

The Senior Commercial Relationship Manager is responsible for achieving deposit and loan growth objectives and executing sales efforts to identify and acquire new business in the market area. The role makes sales calls and visits to business customers, high-net-worth individuals, and prospects to customize solutions for their lending, deposit, and service needs while demonstrating Ameris Bank’s vision, purpose, expectations, and values. It also involves providing leadership to support and grow the Commercial Relationship Team, along with other assigned projects and duties. The position manages and grows client relationships and portfolios, including a loan portfolio of $90 million or more, subject to adjustment based on the market. It assesses and structures complex opportunities, evaluates credit risk, prepares loan approval materials, and oversees documentation, compliance, and collections. The role also represents the Bank in business development and community activities and collaborates with other business lines to serve customers and achieve shared goals.

Requirements

At least 8 years of commercial banking experience or experience in a related field.
Ability to analyze markets, identify prospects, and develop and execute consultative, value-added sales techniques and strategies.
Ability and motivation to meet and exceed established targets.
Ability to negotiate, build consensus, address identified needs, provide interactive service, build and maintain collaborative relationships, and manage and resolve conflict internally and externally.
Ability to communicate effectively and persuasively using professional language and grammar.
Ability to plan, schedule, and organize a professional schedule 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 thoughtful recommendations considering risk and short- and long-term impacts.
Computer and Microsoft Office proficiency.
Knowledge of regulatory banking compliance policies and procedures.
Thorough knowledge of cost accounting, financial analysis, and credit principles to assess credit viability and structure loans appropriately.
Knowledge of internal banking policies, procedures, products, and services.
Knowledge of the relevant geographic market.
Bachelor’s degree preferred, or equivalent education and related training or experience required.

Nice To Haves

Experience in a leadership role.
Bachelor’s degree.

Responsibilities

Adhere to Bank Secrecy Act requirements and apply organizational policies and procedures.
Identify business development opportunities and make sales calls to existing clients and prospects.
Maintain product quality, profitability, and growth through appropriate pricing and fees.
Service a client portfolio, cultivate customer relationships, assess client needs, customize solutions, and provide consultative banking expertise.
Use need-based sales techniques to attract, expand, and retain customer relationships and identify products and services that can enhance them.
Maintain and service a large deposit portfolio, emphasizing low-cost deposit acquisition in support of Bank objectives.
Maintain and service a loan portfolio of $90 million or more that meets margin and revenue objectives; portfolio size may be adjusted based on the market.
Collect and analyze customer and prospect financial information and other relevant data 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.
Apply business acumen and credit risk management expertise to assess large, complex loan and deposit opportunities.
Prepare and present accurate, comprehensive, and relevant information to the Loan Committee for approval.
Oversee portfolio quality control through proper documentation, compliance, and collection efforts.
Maintain knowledge of banking products, programs, services, and promotions.
Achieve goals set by Bank leadership.
Use Customer Relationship Management systems to track sales efforts and prospects.
Ensure compliance with internal controls, operational procedures, and risk management policies.
Represent the Bank in business development, networking, and community functions.
Develop partnerships and collaborate with other lines of business to achieve mutual goals and better serve customers.
Practice ethical sales behaviors in accordance with Ameris’ core values of integrity and honesty, acting in the customer’s best interest when offering additional 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 and 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.