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Ameris Bank · 2 hours ago

Underwriter III

Greenville County, SC

Full-time

Onsite

Senior Level

5+ years exp

Ameris Bank is a purpose-driven company dedicated to bringing financial peace of mind to communities. They are seeking an Underwriter III to work with Credit Administration and the Market Bank on loan structure and terms, focusing on complex commercial loans and portfolio management.

BankingFinanceFinancial ServicesMortgage

Responsibilities

Provide loan structure guidance and apply analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies

Work with Relationship Manager and Regional Credit Officer in recommending appropriate structure, e.g., financial and non-financial covenants, and any special approval conditions

Facilitate the receipt of financial updates on lending relationships

Assist with the preparation of detailed analysis of borrower's financials for highly complexity new and renewal loans, and prepare Loan Committee approvals and updates as needed

Prepare or assist in the preparation of concise, well-reasoned, credit memorandums to maintain timely administration of the loan portfolio

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

Qualification

Credit analysisLoan structuringFinancial analysisMoody’s softwareMicrosoft ExcelRelationship managementAdvocacy skillsInterpersonal skillsCommunication skills

Required

Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects

Exceptional credit and analytical skills inclusive of extensive experience in the medium to large C&I/Middle Market space

Highly developed communication skills including the ability to write clear and concise credit correspondence

Capability to independently and proactively manage various relationships 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 5 years' experience analyzing and/or structuring complex commercial loan transactions in a corporate lending environment and C&I and/or Middle Market space, including developing complex cash flows and analyses

Preferred

An undergraduate degree is required with focus in the areas of finance, economics, or accounting preferred

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