Government Guaranteed Lending Group Manager

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 leading a team of individuals in the Special Assets Division who collectively specialize in the servicing, workout, and collection of SBA or USDA government-guaranteed loans. This role is also responsible for directly managing troubled borrower relationships and adversely rated loans within the bank's loan portfolio, many of which will be relatively large and of high complexity, with the ultimate goal being to reduce adversely rated and nonperforming loans, minimize loan losses, and maximize recoveries when losses are incurred, all in compliance with regulatory requirements and internal bank policies. Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

* Provide leadership and coaching for individuals in the Special Assets Division's Government Guaranteed Lending Group.

* Analyze troubled borrower relationships and adversely rated loans to determine the best course of action to maximize financial recovery to the bank and minimize potential losses.

* Develop, recommend, and execute loan workout/resolution strategies.

* Manage loan workout/resolution negotiations with borrowers/guarantors and bank legal counsel to protect the bank's interests and maximize financial recovery to the bank.

* Establish and monitor borrower/guarantor adherence to the terms of repayment agreements.

* Take appropriate measures to mitigate the risk of loan losses.

* Coordinate and work closely with legal, audit, finance, credit, and regulatory officials.

* Maintain current knowledge of laws and regulations governing credit, collections, and bankruptcy.

* Provide technical advice and assistance to other personnel as needed.

Required Knowledge, Skills and Competencies:

* Strong leadership and coaching skills.

* Sound judgment and decision-making ability.

* Strong negotiation, problem-solving, and conflict-resolution skills.

* Strong verbal and written communication skills.

* Good organizational skills, with strong attention to detail and the ability to multitask efficiently.

* Ability to work well with others.

* Ability to work independently with little direct supervision on a day-to-day basis.

* Basic computer knowledge, with an intermediate-to-high proficiency with Microsoft Office suite software.

Industry and Work Experience:

* Minimum of seven (7) years of experience with SBA/USDA-related loans strongly preferred, with loan workout/collection experience within the Special Assets Department of a bank being a plus which could serve to reduce this requirement.

* Prior experience managing, leading, and coaching others strongly preferred.

Academic:

* High school diploma or GED required.

* Bachelor's degree in finance or related field strongly 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.