Business Development Officer, Government Guaranteed Lending
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Job Description
Responsible for SBA and USDA loan origination in compliance with bank policies at Ameris Bank. Collaborating with clients and managing expectations throughout the loan process.
Responsibilities:
- Originate compliant loans and perform the various 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.
- Practices ethical sales behaviors in accordance with Ameris’ core values of Integrity and Honesty; always acts in the best interest of the customer when offering additional products and services.
Requirements:
- Minimum of 3 years of commercial loan origination and/or Government Guaranteed Lending experience required.
- Successful business development, sales, or related experience required.
- Ability to identify prospects.
- Ability to be consultative in the sales process.
- Ability to be flexible and react swiftly to changes and adjusting priorities.
- Driven to meet and exceed established annual loan production goals.
- Solid understanding of financial statements, tax returns, and credit reports.
- Ability to establish and organize a professional schedule in order to achieve strategic goals within established time frames.
- Ability to manage multiple loan applications simultaneously.
- 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.
Benefits:
- Medical, Dental and Vision Insurance
- Ameris Bank absorbs a major portion of the cost of healthcare.
- 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
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