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GGL Credit Manager

Company: Ameris Bancorp
Location: Atlanta
Posted on: April 10, 2021

Job Description:

Ameris Bank is a high-performing community bank providing an exceptional customer experience with well trained, empowered employees. At Ameris, we look outside conventional wisdom and processes to find new answers. This means cutting red tape, empowering our people to make decisions at the local level and creating clear paths and easy touchpoints. We represent energy and passion, a steady strength that is bold and assertive, creativity in thinking and problem solving, a scrappy determination and nimble approach to getting things done, a good natured, genuine and approachable way of serving each other and our customers. We look forward to the future, and what this means for you, if you join our team.Responsible for managing team and processes for Small Business Administration loans. Essential Functions, Duties, and Responsibilities:

  • Assist with the establishment of GGL policies, procedures and guidelines
  • Coordinate and perform financial analysis employing profitability, liquidity, solvency, cash flow analysis and credit underwriting via key issue identification, working capital assessment, and ratio interpretation using corporate and personal financial statements and tax returns.
  • Assist the production team with loan structuring and key loan underwriting issues.
  • Coordinate and complete loan approval packages to include interpretation of personal and corporate financial spreads, financial analysis, collateral analysis, loan memorandum, summary of terms and conditions, debt sheet, and other appropriate information.
  • Assist in the implementation of programs and technology to facilitate business development, underwriting, closing and servicing.
  • Actively participate in gathering financial and other information to complete loan packages.
  • Identify loan structure appropriate for GGL and commercial loans.
  • Assist in the development of procedures to improve the efficiency of the underwriting, closing and servicing processes.
  • Work closely with Credit Policy Management to establish strategies for supporting the approval process.
  • Obtain and disseminate credit policy and GGL compliance information to keep the policies and procedures current.
  • Provide guidance to credit analysts and review analyses as assigned.
  • Interact with key internal customers and business partners to ensure consistent, accurate, and efficient turnaround or requests.
  • Handle special projects and requests, as needed.Required Knowledge, Skills and Competencies:
    • Requires 5-10 years of technical credit/underwriting experience, knowledge of banking procedures and standards, particularly as related to commercial and GGL lending
    • Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
    • 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.
    • Excellent written and verbal communication skills.
    • Deep knowledge of current GGL regulations.
    • Excellent analytical skills.
    • Strong track record of solid credit decisions.Industry and Work Experience:
      • 5+ years of experience in GGL environments, to include financial analysis and banking credit experience
      • 3-5 years of underwriting managerial experience preferredAcademic:
        • Bachelor's degree required; Finance or Accounting degree preferredDisclaimer: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 DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Ameris Bancorp, Atlanta , GGL Credit Manager, Accounting, Auditing , Atlanta, Georgia

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