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.
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:- 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:- 6 or more years of Commercial Banking experience or related field.
Academic:- Bachelor's degree or equivalent of education and related training or experience required.
Please note, this position is located onsite in Albany, Georgia.
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.
