Wholesale Banking Loan Closer (Remote in Jacksonville, FL or Atlanta, GA)

Ameris Bank•Atlanta, GA

1d•Remote

About The Position

Ameris Bank is a purpose-driven financial institution serving customers across the Southeast, Mid-Atlantic, and nationwide through digital services. The Wholesale Banking Loan Closer coordinates, prepares, and reviews complex, high-dollar commercial loan transactions to ensure accuracy and compliance with loan approvals, bank policies, regulations, and laws. The role reports approval exceptions, escalates potential risks, and resolves exception items. The position manages multiple commercial loan closings, conducts due diligence, prepares and reviews loan documentation, and coordinates with lenders, borrowers, attorneys, and third-party vendors. It also manages loan pipelines and deadlines, resolves discrepancies, processes loan disbursements, maintains electronic checklists and files, and meets service-level and quality-control objectives. The role is remote in Jacksonville, Florida, or Atlanta, Georgia. Ameris Bank describes its workplace as inclusive and collaborative, with an emphasis on integrity, continuous improvement, and employee resource groups. The bank offers eligible employees a comprehensive benefits package, as well as employee banking services.

Requirements

At least 3 years of experience as a Wholesale Banking Loan Closer or in a related role.
Experience using relevant banking and document-storage software applications.
High school diploma or GED.
Advanced knowledge of commercial loan documentation and loan structures, including commercial real estate, asset-based lending, general C&I lending, and complex non-real-estate transactions.
Advanced knowledge of due diligence for complex loan transactions, including corporate documentation, leases, subordination agreements, property management agreements, borrowing bases, and titles.
Stay current on applicable banking regulations and security procedures and practices to prevent fraud or other bank losses and comply with regulatory requirements.
Advanced computer and Microsoft Office skills.
Professional written and verbal communication skills.
Ability to plan, schedule, and organize work to meet or exceed established time frames.
Ability to provide interactive service, build relationships, and address identified needs.
Ability to analyze and record detailed information and produce accurate, high-quality work.
Ability to research, analyze, identify viable options, draw sound conclusions, and present findings.
Thorough knowledge of financial covenants, business entities, standard and non-standard loan products, commercial loan compliance policy, and closing processes.
Ability to manage and organize a high volume of documents and interpret complex commercial loan documents.
Ability to perform accurate calculations and transactions.
Critical-thinking and analytical skills to review transaction processing and file maintenance.

Nice To Haves

Bachelor’s degree or equivalent combination of education and experience.

Responsibilities

Facilitate the closing of multiple large-dollar, complex commercial loans simultaneously.
Review loan type, approval terms and conditions, bank policy, and regulations to determine closing requirements and develop due diligence and closing checklists.
Perform due diligence for a wide range of commercial loans and administer pre-closing activities.
Prepare loan documentation in the bank’s documentation system, ensuring accuracy and consistency with loan approvals and applicable standards.
Review legal closing documents for accuracy against loan approvals and credit write-ups.
Manage a large pipeline of loans at different closing stages, including workflow and deadlines.
Identify and obtain required third-party reports, which may include title, surveys, entity documents, flood determinations, and UCC searches.
Review reports and documents for accuracy and sufficiency under bank policy and regulatory requirements.
Identify discrepancies and issues, facilitate resolution, and take corrective action.
Act as a liaison with attorneys, third-party vendors, and customers.
Follow up on and manage closing requirements, monitoring deadlines.
Communicate with lenders and borrowers about the status of loan requests.
Process disbursement of loan proceeds.
Maintain and update electronic checklists to ensure diligence items are addressed.
Organize electronic commercial loan files.
Meet Commercial Hubs service-level agreements and quality-control objectives.
Provide instructions, guidance, and requests to stakeholders using clear, professional communication.

Benefits

Medical, dental, and vision insurance; coverage eligibility begins on the first of the month following 30 days of employment.
Life insurance 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% 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.
Entertainment discounts through Tickets at Work.
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’s checks.
Discount on mortgage origination fee.
Free online banking and unlimited online bill payment.
Employee banking perks.