Homebuilder Portfolio Manager

Home builder Portfolio 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 purpose and how you can bring it to life as an Ameris Bank teammate.

Job Summary

The Home builder Portfolio Manager facilitates efficient operations, optimizes relationship management and portfolio growth, executes compliance and collections procedures, and serves as a client contact. Responsible for working on loan structure and terms, leading loan requests, and assisting with the overall management of the portfolio assigned. The Home builder Portfolio Manager will require direct client contact, providing financial analysis to maximize profitability, and is a valuable member of the support team for the client.

Performs other projects and duties as assigned.

Essential Functions, Duties and Responsibilities

• Uses CRM along with other Bank tools to track and log activities, manage pipeline, and submit loan requests.
• Thoroughly collects customer and prospect financials which may include loan applications, tax returns, income statements, bank statements, and other relevant data.
• Reviews customer and prospect financials and other relevant data to identify discrepancies and inconsistencies; follows through to verify accurate information and resolve issues.
• Monitors reports to identify maturing and delinquent accounts.
• Administers renewal processes and performs collections procedures for assigned customer portfolio.
• Maintains records and obtains documentation in compliance with internal contracts, operational procedures, and risk management policies.
• Identifies business development and cross-sell opportunities and makes referrals.
• Maintain knowledge of bank products, programs, services and promotions, and how they can be offered to clients.
• Assist Underwriter(s) in loan approval processes; preparing documents for the Officer Loan Committee.
• Facilitates prospecting and marketing efforts by developing materials, scheduling and coordinating meetings and events.
• Serves as a liaison with clients, internal and external contacts to facilitate communication and assist with loan closing and account opening processes.
• May accompany Home builder Bankers on meetings and appointments to assist with relationship management and support account opening or loan closing processes.
• Assist with the preparation of detailed analysis of borrower's financials for new and renewal loans and prepare Loan Committee approvals and updates as needed.
• Assist with the monitoring of the loan portfolio through report preparation and maintenance.
• Assist Underwriter(s) in financial covenant testing for borrowers.
• Prepare Market Studies and Annual Reviews as needed.
• Manage all needed resources that will efficiently obtain the credit approval of loans requiring approvals above individual officer limits.
• Assist with the presentation of loan requests to the respective committees for approval.
• Participate in business development efforts with Account Officers which would include prospect call support and identifying potential additional product needs during underwriting.
• Exhibit a thorough understanding of the Ameris Bank credit culture and the terms and conditions under which loans should be presented and closed.
• Practices ethical…