Underwriter; Nashville, TN

## Underwriter (Nashville, TN)
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JR101112
** 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 Underwriter II is responsible for working with credit administration and the market bank on loan structure and terms, leading loan requests through the credit approval process, and assisting with the overall portfolio management. Performs other projects and duties as assigned.  
** Essential Functions, Duties and Responsibilities
*** Works with Regional Credit Officer in recommending appropriate structure, e.g., financial and non-financial covenants, and any special approval conditions.
* Provides loan structure guidance and applies analytical assistance to mitigate risks in relationships consistent with Ameris Bank loan policies.
* Facilitates the receipt of financial updates on lending relationships.
* Assists with the preparation of detailed analysis of borrower's financials for moderate-to-high complexity new and renewal loans and prepares loan committee approvals and updates as needed.
* Prepares or assists in the preparation of concise, well-reasoned, credit memorandums to maintain timely administration of the loan portfolio.
* Assists with the monitoring of the loan portfolio through report preparation and maintenance.
* Performs financial covenant testing for borrowers.
* Communicates material financial changes or covenant non-compliance within existing relationships to the Regional Credit Officer.
* Prepares market studies and annual reviews as needed.
* Manages all needed resources that will efficiently obtain the credit approval of loans requiring approvals above individual officer limits.
* Assists with the presentation of loan requests to the respective committees for approval.
* Works with Commercial Banking Specialists, Account Officers, and other providers to manage the closure and funding of loans.
* Participates in business development efforts with Account Officers which would include prospect call support and identifying potential additional product needs during underwriting.
* Exhibits a thorough understanding of the Ameris Bank credit culture and the terms and conditions under which loans should be presented and closed.
* Maintains awareness of Ameris Bank products and services and how they can be offered to clients and prospects.  
** Required Knowledge, Skills and Competencies
*** Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
* Exceptional credit and analytical skills.
* Highly developed communication skills including the ability to write clear and concise credit correspondence.
* Ability to work independently and effectively…