Underwriter (Nashville, TN)

Ameris Bank•Jamestown, TN

2d•Onsite

About The Position

The Underwriter II is 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. Performs other projects and duties as assigned.

Requirements

Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
Exceptional 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.
Intermediate proficiency in Microsoft Office suite.
Minimum 4 years of experience analyzing and/or structuring loan transactions in a corporate lending environment, including developing complex cash flows and analyses, required.
Bachelor's degree required with a focus in the areas of finance, economics, or accounting preferred.

Responsibilities

Works with Regional Credit Officer in recommending appropriate structure, e.g., financial and non-financial covenants, and any special approval conditions.
Provides loan structure guidance and applies analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies.
Facilitates the receipt of financial updates on lending relationships.
Assists with the preparation of detailed analysis of borrower's financials for moderate-to-high complexity new and renewal loans and prepares loan committee approvals and updates as needed.
Prepares or assists in the preparation of concise, well-reasoned, credit memorandums to maintain timely administration of the loan portfolio.
Assists with the monitoring of the loan portfolio through report preparation and maintenance.
Performs financial covenant testing for borrowers.
Communicates material financial changes or covenant non-compliance within existing relationships to the Regional Credit Officer.
Prepares market studies and annual reviews as needed.
Manages all needed resources that will efficiently obtain the credit approval of loans requiring approvals above individual officer limits.
Assists with the presentation of loan requests to the respective committees for approval.
Works with Commercial Banking Specialists, Account Officers, and other providers to manage the closure and funding of loans.
Participates in business development efforts with Account Officers which would include prospect call support and identifying potential additional product needs during underwriting.
Exhibits a thorough understanding of the Ameris Bank credit culture and the terms and conditions under which loans should be presented and closed.
Maintains awareness of Ameris Bank products and services and how they can be offered to clients and prospects.