Retail Business Development Officer

About the role

Responsible for counseling consumer and commercial customers on banking depository needs. Conducts business development calls for commercial clients and prospects, primarily focusing on depository needs and referral to other lines of business. Assists existing customers and prospects with consumer lending needs. Promotes the Retail line of business partners of Ameris Bank and refers customers to other departments. Performs other projects and duties as assigned.

Essential Functions, Duties, And Responsibilities

• Engages with the branch in business development and customer relations activities within the market area; calls on existing and prospective customers to explain the bank's services and assist with bank-related problems.
• Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of the loan applicant and the merits of the specific loan request.
• Reviews loan requests exceeding assigned lending authority with Branch Manager or Regional Manager for approval/denial.
• Approves or declines loans within specified limits and conducts loan closings.
• Affirms the role as the sales manager of the branch and/or region, including reviewing sales activities and conducting sales meetings.
• Guides the team towards achieving sales objectives through action planning.
• Represents the Bank in business development efforts and at networking and community functions.
• Makes outbound calls and external appointments to grow the deposit portfolio.
• Sells customers on the benefits of banking with Ameris Bank and uses additional services.
• Refers customers to the lines of business partners of Ameris Bank including but not limited to: Commercial Lending, Mortgage, Credit Cards, Merchant Services and Investment Services.
• Demonstrates leadership skillset with ability to develop and maintain collaborative relationships.
• Meets established monthly sales goals.

• Required Knowledge, Skills And Competencies

  • Demonstrates leadership skillset with ability to develop, coach, mentor, and retain a high performing team.

  • Benefits

    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.

    Banking Advantages For Employees

    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. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.