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 Consumer Closer performs a review of consumer loans for compliance and moves the loans to the booking team. This position executes quality control activities and trends to improve compliance and quality of loan closing and processing operations while demonstrating the Ameris Vision, Purpose, Expectations, and Values. Performs other projects and duties as assigned.
Essential Functions, Duties, and Responsibilities:
• Reviews closed loan packages and post-closing documentation for accuracy, sufficiency, completeness, compliance and proper execution according to bank policy and regulatory requirements.
• Identifies discrepancies and issues, facilitates resolution, and takes corrective actions.
• Collaborates with loan operations partners, third parties and attorney on outstanding exception items.
• Prepares, maintains, and reviews documentation, records and data.
• Uses FCM system and software applications to track, monitor, update and maintain status and records.
• Completes adverse action review of letters and maintains the reports timely.
• Maintains compliance with internal controls, operational procedures and risk management policies.
• Foster a positive and collaborative working environment.
Required Knowledge, Skills and Competencies:
• Advanced proficiency in PC and Microsoft Office Suite products.
• Able to effectively and persuasively express self, using language and grammar in a professional manner.
• Able to plan, organize and prioritize tasks.
• Able to provide a high level of interactive service to others, building relationships and addressing identified needs within, and external to the organization.
• Thorough knowledge of standard and non-standard consumer loan products.
• Thorough knowledge of loan compliance policy and closing processes.
• Able to manage and organize a high volume of documents.
• General knowledge of loan accounting and general ledger practices.
• Current knowledge of banking regulations.
Industry and Work Experience:
• Minimum of (2) years related work experience in banking or financial services.
• Previous experience handling in-depth review of all types of consumer loan documentation, along with extensive knowledge/experience in perfection of liens in real estate and non-real estate secured transactions.
• Minimum of (2) years experience with core bank systems and document software applications.
Academic:
• High school diploma or GED required.
• Bachelor's degree or equivalent combination of education and experience preferred.
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 Reimbursem*nt 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)
- 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.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
