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, conducting sales meetings, and guiding the team to achieve 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 using additional services.
• Provides referrals 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, coach, mentor, and retain a high performing team.
• Provides a high level of interactive service to others, building relationships, and addressing identified needs.
• Works to understand the root causes of customer service issues.
• Promotes 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

• Demonstrates leadership skillset with ability to develop, coach, mentor, and retain a high performing team.
• Ability to provide a high level of service interaction, build relationships, and address identified needs.
• Highly motivated team-player with ability to develop and maintain collaborative relationships.
• Strong written and verbal communication skills.
• Knowledge of branch operations.
• Knowledge of banking policies and procedures.
• Industry and work experience:
  • 8 or more years of retail banking experience required.
  • 6 or more years of business development experience required.
  • 3 or more years of bank supervisory, leadership or mentoring experience required.
  • Branch operations experience required.
  • Cross selling experience required.
  • Sales management and business development experience required.
  • Consumer credit experience required.
• Academic: Bachelor’s degree in finance or related field required.

Benefits

Ameris Bank provides a comprehensive employee benefit package to all eligible employees. Benefits include medical, dental, and vision insurance, life insurance, 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, 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, and more.