Homebuilder Portfolio Manager

Ameris Bank; Jacksonville (FL); On-site; USD 80,000 - 140,000; Full time

Benefits offered by this job

Medical insurance

401(k) retirement plan

Paid time off

Job summary

Ameris Bank seeks a Homebuilder Portfolio Manager to optimize portfolio growth, manage loan structures, and ensure compliance. You will handle financial analyses, support underwriters, and drive cross-sell opportunities while maintaining strong client relationships.

The role requires 2+ years in corporate lending analysis and a business-related degree, with responsibilities spanning loan requests, renewals, and portfolio monitoring across our Southeast footprint.

Qualifications

• Minimum of 2 years’ experience analyzing and/or structuring loan transactions in a corporate lending environment.
• Academic bachelor’s degree in business or related field required.

Responsibilities

• Uses CRM and bank tools to track and log activities, manage pipeline, and submit loan requests.
• Collects customer financials including loan applications, tax returns, income statements, and bank statements.
• Reviews financials to identify discrepancies and resolve issues.
• Assists Underwriters in loan approval processes and prepares documents for Loan Committee.
• Identifies cross-sell opportunities and supports marketing efforts.

Skills

Microsoft Office

Banking policies

Relationship building

Cash-flow analysis

Credit analysis

CRM software

Moody's software

Communication skills

Education

Bachelor’s degree in business or related field

Tools

CRM software

Job description

Ameris Bank is a purpose‑driven company, dedicated to bringing financial peace of mind to communities, one person at a time. We serve customers in our locations across the Southeast and Mid‑Atlantic through extensive digital offerings and a mobile app.

Job Summary

The Homebuilder Portfolio Manager facilitates efficient operations, optimizes relationship management and portfolio growth, executes compliance and collections procedures, and serves as a client contact. Responsible for working on loan structure and terms, leading loan requests, and assisting with the overall management of the portfolio assigned. The position requires 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.

Essential Functions, Duties and Responsibilities

• Uses CRM along with other bank tools to track and log activities, manage pipeline, and submit loan requests.
• Thoroughly collects customer and prospect financials which may include loan applications, tax returns, income statements, bank statements, and other relevant data.
• Reviews customer and prospect financials and other relevant data to identify discrepancies and inconsistencies; follows through to verify accurate information and resolve issues.
• Monitors reports to identify maturing and delinquent accounts.
• Administers renewal processes and performs collections procedures for assigned customer portfolio.
• Maintains records and obtains documentation in compliance with internal contracts, operational procedures, and risk management policies.
• Identifies business development and cross‑sell opportunities and makes referrals.
• Maintains knowledge of bank products, programs, services and promotions, and how they can be offered to clients.
• Assists Underwriter(s) in loan approval processes; prepares documents for the Officer Loan Committee.
• Facilitates prospecting and marketing efforts by developing materials, scheduling, and coordinating meetings and events.
• Serves as a liaison with clients, internal and external contacts to facilitate communication and assist with loan closing and account opening processes.
• May accompany homebuilder bankers on meetings and appointments to assist with relationship management and support account opening or loan closing processes.
• Assists with the preparation of detailed analysis of borrower's financials for new and renewal loans and prepares Loan Committee approvals and updates as needed.
• Assists with the monitoring of the loan portfolio through report preparation and maintenance.
• Assists Underwriter(s) in financial covenant testing for borrowers.
• 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.
• 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.
• 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.

Required Knowledge, Skills and Competencies

• Intermediate computer and Microsoft Office proficiency.
• Thorough knowledge of banking policies, procedures, products and services.
• Demonstrates commitment to quality customer service and ability to meet or exceed service goals.
• Able to analyze and record detailed information and produce accurate, high‑quality work products.
• Able to research, analyze, identify viable options, draw sound conclusions, present findings and make thoughtful recommendations considering overall risk and short‑term and long‑term impact.
• Strong interpersonal skills with emphasis on relationship building both internally and with Ameris clients and prospects.
• Highly developed communication skills including the ability to write clear and concise correspondence.
• Capability to independently and proactively manage various relationships and effectively manage multiple priorities.
• Advanced proficiency in Moody's software and cash‑flow analyses preferred.
• Exceptional credit and analytical skills.
• Ability to advocate persuasively.

Industry and Work Experience

Minimum of 2 years’ experience analyzing and/or structuring loan transactions in a corporate lending environment, including developing cash flows and analyses. Banking compliance or risk management experience preferred. Academic bachelor’s degree in business or related field required.

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 and dismemberment coverage
• Long‑term disability coverage
• Paid sick and vacation leave
• 11 holidays
• Volunteer/service day
• Employee stock purchase plan and 401(k) retirement plan (Ameris Bank matches 50% of your first 8% of contributions)
• Flexible spending accounts
• Health savings account
• Health reimbursement arrangement
• Supplemental life and other insurance plans
• Identity theft protection
• Pet insurance
• Legal insurance
• Employee assistance program
• Employee advocacy program
• Tickets at work (entertainment discounts for employees)
• AT&T employee discount
• Wellness discounts for medical premiums and other rewards
• Employee referral incentive
• Education assistance
• Employee resource groups
• Banking advantages for employees: 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

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

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