Government Lending Business Development Officer

GGL Business Development Officer Essential Functions, Duties and Responsibilities

• Originate compliant loans and perform related activities, including cold calling prospective borrowers, establishing relationships with referral sources, and participating in events.
• Responsible for achievement of goals as set by the bank’s leadership.
• Demonstrate effective sales strategies and techniques to attract, expand and retain customer relationships.
• Educate prospective borrowers/referral sources regarding the bank’s loan programs.
• Evaluate the creditworthiness of potential borrowers.
• Responsible for loan structuring, eligibility, financial analysis, and the preparation of the credit package.
• Manage client expectations and provide guidance regarding the flow of the GGL loan process.
• Serve as the client’s primary point of contact from application to closing.
• Assist Underwriting, as needed, in the due diligence process.
• Maintain knowledge of banking products, programs, services, and promotions.
• Ensure compliance with internal controls, operational procedures and risk management policies.
• Develop partnerships and collaborate with other lines of business to achieve mutual goals and better serve customers.
• Practice ethical sales behaviours in accordance with Ameris’ core values of Integrity and Honesty; always act in the best interest of the customer when offering additional products and services.

• Ability to identify prospects.
• Ability to be consultative in the sales process.
• Ability to be flexible and react swiftly to changes and adjust priorities.
• Driven to meet and exceed established annual loan production goals.
• Ability to communicate verbally and in writing, using professional language and grammar.
• Solid understanding of financial statements, tax returns and credit reports.
• Ability to establish and organise a professional schedule to achieve strategic goals within established time frames.
• Ability to manage multiple loan applications simultaneously.
• Ability to interact at all levels, building relationships and addressing identified needs.
• Proficiency in Microsoft Word, Excel and software used for spreading financial information.
• Working and/or conceptual knowledge of government guaranteed lending products (SBA and USDA) and the SBA SOP.
• Thorough knowledge of banking policies, procedures, products and services.
• Proficiency in CRM systems and loan origination software.

Minimum of 3 years of commercial loan origination and/or Government Guaranteed Lending experience required. Successful business development, sales or related experience required. Bachelor’s degree in Business, Finance or a related field required.

Salary range (DC): $113,215 - $189,068 per year

• Medical, Dental and Vision Insurance – Ameris Bank absorbs a major portion of the cost of health care; coverage begins on the first of the month following 30 days of employment.
• Life Insurance provided at no additional cost.
• 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 matches 50% of your first 8% contributions.
• 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).
• AT&T Employee Discount.
• Wellness Discounts for Medical Premiums and other rewards.
• Employee Referral Incentive.
• Education Assistance.

• Free Interest Checking.
• Free Safe Deposit Box.
• Free Money Orders, Travelers’ Checks and Cashier Checks.
• Discount on Mortgage Origination Fee.
• Free Online Banking.
• Free Unlimited Online Bill Payment.
• Employee Banking Perks.

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.

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.