Ameris Bank · 3 weeks ago
US Premium Finance Credit Analyst
Norcross, GA
Full-time
Onsite
Mid Level
3+ years expAmeris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities. The Credit Analyst will be responsible for analyzing and evaluating new and renewal premium finance loans, preparing Loan Committee Applications, and ensuring compliance with credit policies and regulations.
BankingFinanceFinancial ServicesMortgage
Responsibilities
Spreads and analyzes corporate and individual financial statements and tax returns
Evaluates financing requests to determine credit quality and appropriate loan structures, resulting in relevant and sound credit recommendations
Identifies specific merits, risks, and mitigants for each loan, including collateral and insurance policy provisions
Prepares Loan Committee Application (LCA), as necessary
Ensures business terms, concepts, and structure are accurately captured in loan documentation
Ensures compliance with Credit Policy, guidelines and banking laws and regulations
Responds to inquiries from Sales and Account Management with the ability to balance the customer’s request within the risk parameters of US Premium Finance and Ameris Bank
Completes link letters, as needed
Reviews trends/patterns within portfolio and reports findings to management
Works with agency services regarding line of credit, annual review, and other credit-related functions
Maintains acceptable write-off ratio in dollars
Assists with special projects and management reports
Qualification
Required
Ability to analyze financial statements in terms of cash flow, debt service, projection, and trend analysis
Knowledge of generally accepted accounting principles and ability to read and analyze a financial statement
Must possess strong written and verbal communication and presentation skills. Must possess the ability to communicate in a clear and concise manner to internal and external customers
Ability to prioritize and multi-task in a fast-paced environment
Strong organizational skills and efficiency in preparing analysis
Strong understanding of commercial insurance policy provisions
3+ years of financial analysis experience, including cash flow and spreading, financial statements, balance sheet and income analysis
Experience in insurance or premium finance industry required, or 5 years' experience commercial credit
Bachelor's Degree in finance required
Benefits
Medical, Dental and Vision Insurance
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
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
Company
Ameris Bank
Ameris Bank is an financial holding company providing financial services.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
$125.3M2018-01-12Post Ipo Equity· $5.6M
2015-01-28Post Ipo Equity· $119.7M
1994-05-19IPO
Leadership Team
Emily Dawkins
Florida President
Recent News
2025-11-08
2025-10-28
2025-10-20
Company data provided by crunchbase