Government Guaranteed Lending Business Development Officer (Atlanta, Charlotte, Jacksonville, Orlando, Columbia, Charleston, Savannah)

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 allies as well as professional development opportunities to drive ongoing education. Learn more about our and how you can bring it to life as an Ameris Bank teammate.

Responsible to execute sales production efforts in order to originate commercial loans that are compliant with SBA and USDA eligibility standards. Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

• Originate compliant loans, and perform the various related activities, including cold calling prospective borrowers, establishing relationships with referral sources, and participating in events that promote the bank's lending services.
• Responsible for achievement of goals as set by the bank's leadership.
• Demonstrate effective sales strategies and techniques to attract, expand and retain customer relationships.
• Educate prospective borrowers/referral sources regarding the bank's loan programs.
• Evaluate the creditworthiness of potential borrowers.
• Assist clients in compiling accurate and thorough loan applications.
• Manage client expectations and provide guidance regarding the flow of the commercial loan process.
• Serve as the client's primary point of contact from application to closing.
• Assist Underwriting, as needed, in the due diligence process.
• Maintain knowledge of banking products, programs, services and promotions.
• Ensure compliance with internal controls, operational procedures, and risk management policies.
• Develop partnerships and collaborate with other lines of business to achieve mutual goals and better serve customers.
• Practices ethical sales behaviors in accordance with Ameris' core values of Integrity and Honesty; always acts in the best interest of the customer when offering additional products and services.

Required Knowledge, Skills and Competencies:

• Ability to identify prospects
• Ability to be consultative in the sales process
• Ability to be flexible and react swiftly to changes and adjusting priorities
• Driven to meet and exceed established targets
• Ability to effectively communicate verbally and in writing, using language and grammar in a professional manner
• Solid understanding of financial statements, tax returns, and credit reports
• Ability to establish and organize a professional schedule in order to achieve strategic goals within established time frames
• Ability to manage multiple loan applications simultaneously
• Ability to effectively interact at all levels, building relationships and addressing identified needs
• Proficiency in Microsoft Word and Excel
• Working and/or conceptual knowledge of government guaranteed lending products (SBA and USDA)
• Thorough knowledge of banking policies, procedures, products and services

Industry and Work Experience:

• 3+ years of commercial loan origination experience
• Successful business development, sales, or related experience

Academic:

• High school diploma or GED required.
• Bachelor's degree preferred

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)
• 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.