Business Banker

About the role

Ameris Bank seeks a Business Banker to join our dynamic team. Reporting to the Branch Manager, this position is responsible for setting business development strategies and executing sales production efforts to acquire new commercial and consumer business within the market area.

Responsibilities

• Maintains the quality, profitability and growth of business and consumer products through appropriate pricing and fees.
• Demonstrates effective sales strategies to attract, expand and retain customer relationships.
• Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
• Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
• Maintains and services a target portfolio of $10M or more in deposits with emphasis on acquisition of low cost deposits meeting bank objectives.
• Maintains and services a target portfolio of $20M or more in loans which meet margin and revenue objectives.
• Thoroughly collects and analyzes customer and prospect financials to assess viability.
• Reviews loan applications, tax returns, income statements, bank statements and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
• Facilitates loan approval processes; prepares and delivers documents and presentations for the Officer Loan Committee for loan approval.
• Oversees ongoing quality control for a portfolio by executing proper documentation, compliance and collection efforts.
• Maintains knowledge of banking products, programs, services and promotions.
• Responsible for achievement of market objectives as set by Bank leadership.
• Uses Customer Relationship Management systems to track sales efforts and prospects.
• Ensures compliance with internal controls, operational procedures and risk management policies.
• Represents the Bank in business development efforts and at networking and community functions.
• Develops partnerships and collaborates with other lines of business to attain 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.

Requirements

• 3 or more years of experience in credit analysis, business banking or related field.
• Bachelor’s degree preferred or equivalent education and related training or experience required.

Skills

• Ability to analyze markets, identify prospects, develop and execute consultative, value-added sales techniques and strategies.
• Ability to meet and exceed established targets.
• Ability to negotiate, drive consensus, maintain collaborative relationships, manage and resolve conflict.
• Ability to effectively and persuasively express self, using language and grammar in a professional manner.
• Ability to plan, schedule and organize a professional schedule to achieve strategic goals within or ahead of established time frames.
• Ability to research, analyze, identify viable options, draw sound conclusions, present findings and make thoughtful recommendations considering overall risk and short-term and long-term impact.
• Ability to provide a high level of interactive service to others, building relationships and addressing identified needs.
• Computer and Microsoft Office proficiency.
• Thorough knowledge of banking compliance policies and procedures.
• Knowledge of cost accounting, financial analysis, commercial and consumer credit principles.
• Thorough knowledge of banking policies, procedures, products and services.
• Knowledge of relevant geographic market.
• Industry and work experience as described above.

Qualifications

• Ability to adhere to Bank Secrecy Act requirements and apply organizational policies and procedures in all activities.
• Computer and Microsoft Office proficiency.
• Thorough knowledge of banking compliance policies and procedures.
• Knowledge of cost accounting, financial analysis, commercial and consumer credit principles.
• Thorough knowledge of banking policies, procedures, products and services.
• Knowledge of relevant geographic market.
• Industry and work experience as described above.