Credit Risk Manager - Ameris Bank

Description

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 Credit Risk Manager is responsible for supporting Ameris Bank’s Financial Modeling group as well as enhancing credit related risk management policies and procedures, coordinating all FDIC/Internal/Third Party regulatory examination and audit requests related to areas of responsibility, and identifying and overseeing implementation of process improvements. Will collaborate closely with the Risk Management department to design operational risk policies and monitor adherence to those policies within the business. Creates and maintains standards and processes for the execution of risk programs in areas of responsibility while demonstrating the Ameris Vision, Purpose, Expectations and Values.

Essential Functions, Duties, and Responsibilities:

·       Strategic risk leader in the first line of defense, enhancing senior management's ability to dimension, anticipate and manage operational and other enterprise risks effectively.

·       Supports the Financial Modeling group in developing/enhancing credit related models.

·       Guides team in improving and providing regular updates of various practices, reports, policies, and procedures with the Risk Management department.

·       Oversees team processes and updates policies to reflect improvements.

·       Maintains necessary training to be well informed of regulatory and industry practices and informs/trains rest of area as appropriate.

·       Responsible for ensuring all known issues and risk incidents, regardless of source, are tracked and driven to appropriate and timely remediation through the centralized incident tracking database.

·       Ensures data collection and reporting on key risk metrics.  Reviews and challenges risk metrics and investigates metric breaches.

·       Ensures the effective implementation and execution of Operational Risk programs including event data collection, key risk indicators, scenario analysis, and risk and control identification and assessment as well as reporting to the Risk Management department.

·       Works with the Risk Management department to develop plans to mitigate operational risk gaps identified through the bank’s Risk and Controls Self-Assessment (RCSA) process.

·       Conducts and/or coordinates various quality control reviews and monitoring covering all key business risks, including key regulatory compliance requirements.  Ensures any issues identified in the process are appropriately recorded and escalated.

·       Responsible for coordinating initiatives through the New Initiatives Committee process.

·       Creates and leads any business unit specific Risk Committees required and participates in the enterprise-wide Management Risk Committee.

·       Preserves partnerships and alignment with business executives and senior management as well as the Risk Management department.

·     Maintains partnerships and alignment with product providers and negotiates key terms within the contracts for given prospects and existing clients.

Required Knowledge, Skills and Competencies:

·     Excellent organizational, analytical and interpersonal skills

·     Strong problem-solving, negotiation and follow-up skills

·     Strong verbal and written communication skills

·     Proficient in Python

·     Computer literate; fluency in Microsoft Office programs; systems integration

·     Conceptual Thinking – Identifies the critical and interdependencies among system elements that impact products and performance.

·     Leadership, negotiation and influence across multiple levels of organization

·     Ability to organize and lead cross-disciplinary teams

Industry and Work Experience:

·     5-7 years of experience within financial services industries preferred

·     3-5 years of credit modeling experience

·     2-3 years of risk management or audit experience, preferably in financial services

Academic:

·     High school diploma or GED required

·     Graduate level degree in statistical modeling or equivalent in higher level mathematics 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 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)
• 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.

Qualifications

Behaviors

Motivations

Education

Experience

Licenses & Certifications

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)