Underwriter (Nashville, TN)

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

Job Summary

The Underwriter II is responsible for working with credit administration and the market bank on loan structure and terms, leading loan requests through the credit approval process, and assisting with the overall portfolio management. Performs other projects and duties as assigned.

Essential Functions, Duties and Responsibilities

Works with Regional Credit Officer in recommending appropriate structure, e.g., financial and non-financial covenants, and any special approval conditions.

Provides loan structure guidance and applies analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies.

Facilitates the receipt of financial updates on lending relationships.

Assists with the preparation of detailed analysis of borrower's financials for moderate-to-high complexity new and renewal loans and prepares loan committee approvals and updates as needed.

Prepares or assists in the preparation of concise, well-reasoned, credit memorandums to maintain timely administration of the loan portfolio.

Assists with the monitoring of the loan portfolio through report preparation and maintenance.

Performs financial covenant testing for borrowers.

Communicates material financial changes or covenant non-compliance within existing relationships to the Regional Credit Officer.

Prepares market studies and annual reviews as needed.

Manages all needed resources that will efficiently obtain the credit approval of loans requiring approvals above individual officer limits.

Assists with the presentation of loan requests to the respective committees for approval.

Works with Commercial Banking Specialists, Account Officers, and other providers to manage the closure and funding of loans.

Participates in business development efforts with Account Officers which would include prospect call support and identifying potential additional product needs during underwriting.

Exhibits a thorough understanding of the Ameris Bank credit culture and the terms and conditions under which loans should be presented and closed.

Maintains awareness of Ameris Bank products and services and how they can be offered to clients and prospects.

Required Knowledge, Skills and Competencies

Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.

Exceptional credit and analytical skills.

Highly developed communication skills including the ability to write clear and concise credit correspondence.

Ability to work independently and effectively manage multiple priorities.

Ability to advocate persuasively.

Highly proficient in Moody’s software and cash flow analyses.

Intermediate proficiency in Microsoft Office suite.

Industry and Work Experience

Minimum 4 years of experience analyzing and/or structuring loan transactions in a corporate lending environment, including developing complex cash flows and analyses, required.

Academic

Bachelor's degree required with a focus in the areas of finance, economics, or accounting 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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicantss of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.