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 purpose and how you can bring it to life as an Ameris Bank teammate.

Responsible for reviewing, assessing, and analyzing all aspects of consumer loan requests. In addition, the Consumer Underwriter is responsible for evaluating the risks of offering loans in order to approve or decline credit while maximizing profit and minimizing risks and losses.  Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

·     Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and/or other supporting documentation to recommend/approve requests within assigned decisioning authority levels by way of automated scoring system or traditional underwriting.

·     Ensure credit files are current, complete, and compliant with company standards.

·     Maintain knowledge of all Lending policies and procedures.

·     Process applications placing emphasis on response time, quantity of applications processed and quality of applications approved.

·     Contact partners to gather information to make appropriate decisions and ability to explain rationale behind credit decisions.

·     Assist Lending team in performing other assigned duties and responsibilities as needed to ensure organizational success.

Required Knowledge, Skills and Competencies:

·     Strong interpersonal, verbal, and written communication skills, including ability to write clear, concise correspondence.

·     Ability to respond to common inquiries from internal and external customers.

·     Ability to organize tasks and complete actions within established deadlines, handling multiple priorities with strong attention to detail.

·     Ability to define problems, collect data, establish facts and draw valid conclusions.

·     Must be able to manage high volumes of documents and keep them organized.

·     Intermediate to Advanced proficiency in financial computer applications, database management tools, and Microsoft Office applications.

·     General knowledge of loan accounting and general ledger practices.

·     Current knowledge of banking regulations.

Industry and Work Experience:

·     Minimum of two (2) years’ experience with consumer loan products, loan structures and/or loan documentation.

·     Experience with all types of consumer loan documentation, along with knowledge and experience in perfection of liens in real estate and non-real estate secured transactions.

·     Minimum of two (2) years’ experience with core bank systems and document software applications.

·     Experience in Consumer Underwriting strongly preferred.

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) 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.