Regional Credit Officer

Company: Ameris
Location: Jacksonville
Posted on: January 16, 2022

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 oversight of all aspects of credit administration for assigned region. Manage Credit Portfolio Managers.Essential Functions, Duties and Responsibilities:Support and promote Ameris Bank's Core Values, Credit Culture and Loan Policy.Review and approve loans within region and within designated lending authorities.Provide timely responses (affirmative, negative and/or requests for additional information) on all loan requests.Collaborate closely with Loan Officers and recommend loan structuring changes to minimize risk, when appropriate, and when in line with Loan Policy and other Ameris standards.Review and make recommendations to senior management on loan requests above designated lending authority.Provide leadership, direction, and collaboration within the credit administration team and process.Promote pro-active management of loan portfolios within region, including past due loans, maturing loans, risk ratings, classified asset identification, covenant compliance, and any other loan performance related aspects.Assist as necessary with loan documentation decisions during closing process.Manage Portfolio Managers, providing motivation, training, performance management, coaching and development.Manage the review of bank-serviced criticized loans via quarterly meetings.Communicate emerging loan administrative issues, errors, or process deficiencies in a timely manner to the Senior Credit Officer, and make suggestions for process improvements.Assist with ongoing coaching and education of Loan Officers and Portfolio Managers.Assist with special projects related to bank acquisitions, loan portfolio reviews, process improvement, and other risk management work, as needed.Attend client meetings, as requested, to review and assess suitability of loan relationships.Decision-Making Authority:Designated Lending authority (Secured and Unsecured)Treasury management authorityExpense authorityRequired knowledge, Skills and Competencies:Leadership skills, including problem solving, coaching, mentoring and employee development.Strong knowledge of Loan Policy, Ameris credit culture, and the regulatory environment.Exceptional credit and analytical skills including ability to consider appropriate risk mitigation to achieve positive outcomes for the client and Ameris.Well developed commercial loan documentation knowledge including various legal aspects that impact loan structuring, collateral perfection, risk monitoring, and problem loan collection.Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.Highly developed communication skills including the ability to write clear and concise credit correspondence.Capability to independently and proactively manage multiple priorities.Ability to advocate persuasively including ability to professionally and constructively communicate negative decisions.Expertise in financial computer applications (primarily Microsoft Excel) and database management tools.Industry and Work Experience:Minimum of fifteen (15) years of commercial lending experienceMinimum of three (3) years' management experienceAcademic:An undergraduate degree is required with focus in the areas of business, finance, or accountingGraduate degree in an area of business, finance, or accounting, 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 Disabilities The 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, Jacksonville , Regional Credit Officer, Other , Jacksonville, Florida