Balboa Capital, a division of Ameris Bank, is a technology-driven business lender that uses innovative online tools and technology to change the way small businesses secure financing, and we are looking for talented, motivated individuals to join our team. If you embrace technology and have a desire to work at a dynamic company with a diverse group of highly skilled individuals, make Balboa Capital the launching pad for your successful career. 

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.

Responsible for learning the loan process specific to the underwriting and credit portfolio manager responsibilities, understanding project timelines, and becoming familiar with the products and services the Bank offers. 

 Essential Functions, Duties, and Responsibilities:

• Shadow Credit Admin colleagues, including Portfolio Managers and Underwriters.
• Spend time interacting with other business partners which may include Treasury and Wealth Management.
• Participate in corporate training opportunities to further aid in professional development.
• Develop and analyze all types of credit information pertaining to diverse types of loans.
• Assist in developing credit information for use by senior credit personnel.
• Conduct analysis on basic credit requests.
• Prepare financial statement spreads to support loan requests.
• Develop cash flow analysis on simple new and existing loan requests.
• Provide assistance to loan officers or Credit Administration as requested.
• Ensure credit files include current financial statements and other required documentation.

Required Knowledge, Skills and Competencies:

• Beginner proficiency in Microsoft Office Suite products.
• Must have the ability to work in a collaborative, team environment.
• Must have the ability to communicate in one-on-one and group settings such as business meetings, sales calls, training sessions.

Industry and Work Experience:

• Must be officially enrolled in an undergraduate bachelor program with a major in areas such as Business, Finance, or Accounting.

Academic:

• High school diploma or GED required

Benefits Available to Employees:

Ameris Bank provides a comprehensive employee benefit package to all eligible employees. 

• 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)
• Verizon Discount (Associated discount up to 18%)
• Wellness Discounts for Medical Premiums and Other Rewards 
• Employee Referral Incentive
• Education Assistance
• Employee Resource Groups 

Banking Advantages for Employees:

In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services. 

• 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

 Salary Range: $30,459 - $42,641.

Disclaimer: 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.