US Premium Finance Credit Analyst

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 USPF Credit Analyst will be responsible for gathering and analyzing information in order to underwrite new agents. Also responsible for reviewing existing agents, general agents and insurance carriers and making recommendations to be presented to Credit Committee, Executive Credit Committee and/or Management. Performs other projects and duties as assigned. 

Essential Functions, Duties, and Responsibilities:

·       Analyzes new agent files and recommends initial line of credit, agent risk rating and funding method based on information provided and obtained.

·       Compiles new agent files to ensure complete documentation to comply with policies and procedures.

·       Conducts bank and market reference checks on new agents.

·       Investigates pending, or derogatory information found on agent’s credit and/or NIPR reports and provides current/final status (if available).

·       Researches discrepancies/contradictions within information obtained and inquires for additional information and clarification from Sales as needed.

·       Monitors updates made to insured’s contact info (address & phone) weekly and addresses any trends.

·       Investigates trends/patterns within agent portfolios and reports any findings to Management.

·       Conducts funding and insured verifications as needed.

·       Responsible for other reporting and analysis projects as requested by Management.

Required Knowledge, Skills and Competencies:

·       High level of analytical, research and investigative skills.

·       Excellent verbal and written communication skills.

·       Excellent attention to detail.

·       High level of dependability, accountability and follow up skills.

·       Strong organizational skills.

·       Ability to perform in a fast-paced environment and work as part of a team.

·       Basic computer skills including MS Word, MS Excel, Adobe and Internet.

Industry and Work Experience:

·      2 years of insurance or industry experience strongly preferred.

Academic:

·       Bachelor’s Degree in finance 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)
• AT&T Employee Discount
• 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

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.