Senior Credit Risk Review

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.

The Senior Credit Risk Review is responsible for providing an independent assessment of credit risk by examining commercial credit portfolios for appropriate risk ratings, adherence to policy and procedures, adequate monitoring practices, sound underwriting. Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

* Perform independent assessment of credit to determine quality of underwriting, administration, and problem loan management.

* Evaluate the accuracy of borrower risk ratings.

* Assess adequacy of loan and collateral documentation.

* Ensure compliance to bank policies, procedures, and regulatory guidance.

* Interact with and support other credit-related functions within the Bank.

* Lead examinations of credit portfolios as assigned by the Director of Credit Risk Review. Such work should be of high quality and delivered on time and to specification. This includes, but is not limited to, independently conducting and/or supervising all phases of the review engagement process: project planning, entrance/exit meetings, scope, fieldwork execution and management, and management reporting.

* Prepare Credit Risk Review report drafts that appropriately summarize the most significant findings and resulting impacts to the organization. Reports must be complete, insightful, timely, error free, and concise.

* Work with management to recommend appropriate and cost-effective action plans to mitigate the associated risk. Follow up with management to ensure action plans are implemented by due dates.

* Assist and support external auditors and regulators and participate on project teams as assigned.

* Mentor and train a strong team of talented Credit Risk Review professionals.

* Participate in meetings and serve on committees, representing the Credit Risk Review function in an advisory capacity in ensuring effective risk management and internal control practices are designed and built into the credit processes.

* General Credit Risk Review activities - time reporting, continuing education, professional and civic organization participation, and general office administrative activities.

* Ability to travel as needed.

Required Knowledge, Skills and Competencies:

* A self-starter with strong credit analysis, organizational, and time management skills.

* Ability to work well in a team environment.

* Good leadership and ability to manage a team (as it relates to running an examination).

* Intermediate written and oral communication skills.

* Intermediate professional presence and demeanor.

* Conceptual understanding of data mining/analysis.

* Proficiency with Microsoft Word and Excel.

Industry and Work Experience:

* 6-8 years of prior loan/credit review, regulatory, or commercial lending/underwriting experience required.

* Banking industry experience highly preferred.

Academic:

* Bachelor's degree required; Business, Accounting or Finance major 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.