Underwriter III

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 working with Credit Administration and the Market Bank on loan structure and terms, with a focus on medium to large complex C&I and Middle Market C&I credit opportunities inclusive of pre‑screening opportunities and full underwriting on new and existing commercial relationships, leading loan requests through the credit approval process, and assisting with the overall portfolio management. The 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.

• Provide loan structure guidance and apply analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies.
• Work with Relationship Manager and Regional Credit Officer in recommending appropriate structure, e.g., financial and non‑financial covenants, and any special approval conditions.
• Facilitate the receipt of financial updates on lending relationships.
• Assist with the preparation of detailed analysis of borrower's financials for highly complex new and renewal loans, and prepare Loan Committee approvals and updates as needed.
• Prepare or assist in the preparation of concise, well‑reasoned, credit memorandums to maintain timely administration of the loan portfolio.
• Assist with the monitoring of the loan portfolio through report preparation and maintenance.
• Perform financial covenant testing for borrowers.
• Communicate material financial changes or covenant non‑compliance within existing relationships to the Regional Credit Officer.
• 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.
• Work with Commercial Banking Assistants, Account Officers, and other providers to manage the closure and funding of loans.
• 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.
• Maintain awareness of Ameris Bank products and services and how they can be offered to clients and prospects.

• Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
• Exceptional credit and analytical skills inclusive of extensive experience in the medium to large C&I/Middle Market space.
• Highly developed communication skills including the ability to write clear and concise credit correspondence.
• Capability to independently and proactively manage various relationships and effectively…