US Finance Credit Analyst

Job Category
:
Insurance Services (US Premium Finance)

Requisition Number
: USPRE
006541

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• Posted :
  December 5, 2025
• Full-Time

Showing 1 location

3500 Parkway Ln
Suite 300
Norcross, GA 30092, USA

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.

The Credit Analyst will be responsible for analyzing, evaluating, new and renewal premium finance loans. Analyzes moderate to complex credit requests including credit and financial information of businesses. Prepares and conducts Loan Committee Application (LCA) including financial and cash flow analysis. Performs other projects and duties as assigned.

• Spreads and analyzes corporate and individual financial statements and tax returns.
• Evaluates financing requests to determine credit quality and appropriate loan structures, resulting in relevant and sound credit recommendations.
• Identifies specific merits, risks, and mitigants for each loan, including collateral and insurance policy provisions.
• Prepares Loan Committee Application (LCA), as necessary.
• Ensures business terms, concepts, and structure are accurately captured in loan documentation.
• Ensures compliance with Credit Policy, guidelines and banking laws and regulations.
• Responds to inquiries from Sales and Account Management with the ability to balance the customer’s request within the risk parameters of US Premium Finance and Ameris Bank.
• Completes link letters, as needed.
• Reviews trends/patterns within portfolio and reports findings to management.
• Works with agency services regarding line of credit, annual review, and other credit-related functions.
• Maintains acceptable write-off ratio in dollars.
• Assists with special projects and management reports.

• A bility to analyze financial statements in terms of cash flow, debt service, projection, and trend analysis.
• Knowledge of generally accepted accounting principles and ability to read and analyze a financial statement.
• Must possess strong written and verbal communication and presentation skills. Must possess the ability to communicate in a clear and concise manner to internal and external customers.
• Ability to prioritize and multi-task in a fast-paced environment.
• Strong organizational skills and efficiency in preparing analysis.
• Strong understanding of commercial insurance policy provisions.

• 3+ years of financial analysis experience, including cash flow and spreading, financial statements, balance sheet and income analysis.
• Experience in insurance or premium finance industry required, or 5 years’ experience commercial credit.
• Bachelor’s Degree in finance required.

• 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
• Long-Term Disability Coverage
• Paid Sick and Vacation Leave
• 11 Holidays
• Employee Stock…