Commercial Relationship Manager

Essential Functions, Duties, And Responsibilities

• Strictly adheres to Bank Secrecy Act requirements and applies organizational policies and procedures in all activities.
• 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 portfolio of $50M or more in deposits with emphasis on acquisition of low cost deposits meeting bank objectives.
• Maintains and services a portfolio of $75M 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.
• Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
• Collaborates through a team which may include Credit Analysts and Commercial Banking Specialists to coordinate portfolio management functions.
• Applies a high level of business acumen and risk management expertise to assess the viability of loan and deposit opportunities.
• Prepares and articulates accurate, comprehensive, relevant information to the Loan Committee for loan approval.
• Executes proper documentation, compliance, and collection efforts to oversee ongoing quality control for a portfolio.
• Maintains knowledge of banking products, programs, services, and promotions.
• 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.
• Provides assistance and training to team members.
• P 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 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.
• Demonstrates leadership skillset with ability to coach and mentor.
• Knowledge of relevant geographic market. Industry And Work Experience.

Qualifications

• 6 or more years of Commercial Banking experience or related field.
• Bachelor’s degree or equivalent of education and related training or experience required.

Benefits

• Medical, Dental and Vision Insurance
• 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
• 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