Commercial Relationship Manager

Description

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 allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.

Responsible for setting business development strategy and executing sales production efforts to acquire new commercial and consumer business within the market area. The position makes sales calls and visits to business customers, high net worth individuals and prospects to understand the client needs, customize solutions that will benefit the customer and meet loan, deposit, and service needs. The Commercial Relationship Manager is responsible for attainment of deposit and loan growth objectives, services an extensive, complex customer portfolio and market, and demonstrates the Ameris Vision, Purpose, Expectations and Values. Performs other projects and duties as assigned.

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.
• Coordinates portfolio management functions collaborating through a team which may include Credit Analysts and Commercial Banking Specialists.
• 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.
• 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.
• Provides assistance and training to team members.
• 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 :

Industry and Work Experience :

Academic :

Benefits Available to Employees :

Ameris Bank provides a comprehensive employee benefit package to all eligible employees.

Banking Advantages for Employees :

In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.

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.