US Finance Credit Analyst

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.

• Ability 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
• 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 Bank matches 50% of your first 8% of contributions to the plan
• 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 for Ameris Bank Employees)
• AT&T Employee Discount
• Wellness Discounts for Medical Premiums and Other Rewards
• Employee Referral Incentive
• Education Assistance
• Employee Resource Groups

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