Job SummaryThe Senior Commercial Relationship Manager is responsible for attainment of deposit and loan growth objectives. The position executes sales production efforts to identify and acquire new business within the market area. The Senior Commercial Relationship Manager makes sales calls and visits to business customers, high net worth individuals, and prospects to customize solutions and meet loan, deposit, and service needs. Performs other projects and duties as assigned.
Essential Functions, Duties and Responsibilities- Identifies business development opportunities and makes sales calls to existing clients and prospects.
- Maintains the quality, profitability, and growth of products through appropriate pricing and fees.
- Services a portfolio of clients, cultivates customer relationships, and acts as banking consultant to understand client needs, customize solutions, and provide consultative expertise.
- 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.
- Maintains and services a deposit portfolio of $90M or more, or has the demonstrated ability to grow the portfolio to a minimum size of $90M, with emphasis on acquisition of low-cost deposits that meet bank objectives.
- Maintains and services a loan portfolio of $90M or more, or has the demonstrated ability to grow the portfolio to a minimum size of $90M, while meeting margin and revenue objectives. Portfolio size is a soft guideline and may be adjusted based on market.
- Thoroughly collects and analyzes customer and prospect financials and other relevant data to assess viability, determine actual cash flow, and perform ongoing credit grade determinations within policy guidelines.
- Applies a high level of business acumen and credit risk management expertise to identify and structure large, complex loan and deposit opportunities.
- Prepares and articulates accurate, comprehensive, and relevant information to the Loan Committee for loan approval.
- Oversees ongoing quality control for a portfolio by executing proper documentation, compliance, and collection efforts.
- Responsible for achievement of goals 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.
- 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- Driven to meet and exceed established targets.
- Ability to negotiate, drive consensus, address identified needs, provide interactive service to others, build and maintain collaborative relationships, and manage and resolve conflict externally and internally.
- 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.
- Intermediate proficiency in Microsoft Office.
- Knowledge of regulatory banking compliance policies and procedures and internal banking products and services.
- Knowledge of relevant geographic market.
Industry and Work Experience- Minimum of 8 years of Commercial Banking experience or related field required.
- Experience in leadership role preferred.
Academic- High school diploma or GED required.
- Bachelor's degree or equivalent of education and related training or experience required.
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.
