Government Guarantee Lending Special Assets

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.

Essential Functions, Duties and Responsibilities

• Manage a portfolio of delinquent, nonperforming, 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 earlystage credits to establish longterm 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 USDArelated 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 subjectmatter resource for junior team members, assisting with complex loan issues, SBA compliance interpretation, and professional development.

• Conducts portfoliowide audits and internal reviews to identify emerging credit risks, operational gaps, and process improvement opportunities.

Required Knowledge, Skills and Competencies

• Demonstrates sound judgment and strong decisionmaking 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 fastpaced 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 highvolume portfolio of complex credits with competing priorities.

• Proficiency in PCFS Loan Manager, nCino, USDA Lender Interactive Network Connection (LINC), and ETran.

Industry and Work Experience

• 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.

Academic

• Bachelor's degree required.

Benefits Available to Employees:

Ameris Bank provides a comprehensive employee benefit package to all eligible employees.

• 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

Banking Advantages for Employees:

In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.

• 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

Disclaimer:

The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.

All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicantss of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.