We have now received sufficient information to begin issuing applications and information requests to our clients that are interested in a PPP loan.  If you have requested an application and are an existing client, please look for a secure email from ACB_Payroll_Protection@atlcapbank.com containing a pre-populated application for you to complete. If you need assistance, please contact your banker. Click here for an update from our President and CEO.

Shannon Morrison

Shannon Morrison

Shannon Morrison

“When you start to track and aggregate the loan data for an individual client, you create a financial picture of that client which they might not otherwise have access to. A banker might be able to figure out what the customer is missing financially and help find the best strategy moving forward.”



When it comes to lending, there is usually an element of risk involved. For banks, monitoring risk represents a critical piece of the puzzle in keeping business practices responsible and ensuring a steady growth of assets over time.

In order to manage risk effectively, banks must be aware of any financial developments regarding their loan customers and assess how these developments might affect the possibility of default.

As SVP, Director of Risk Analytics at Atlantic Capital, it’s Shannon Morrison’s job to structure and interpret available loan data for use by the bank’s leadership team. She is responsible for evaluating risk statistics in order to calculate expected total losses for the bank over the coming year. It’s a new role for Atlantic Capital, created in response to new complex accounting standards that go into effect next year.

“The analysis we do helps us as an organization understand our risk,” Shannon says. “We can use this to estimate future losses and direct lending policies. In this way, the information allows us to stay responsive with our lending decisions.”

Managing and analyzing loan data can be a complex process, but organizing the volume of information and making sense of it can serve a bank in ways beyond just risk assessment. The results can help an institution come to a clearer understanding of who their customers are and what they need.

“Our bankers have the potential to use this information to make them better informed about our customers,” Shannon adds. “When you start to track and aggregate the loan data for an individual client, you create a financial picture of that client which they might not otherwise have access to. A banker might be able to figure out what the customer is missing financially and help find the best strategy moving forward.”

In a competitive market, banks are judged by their ability to provide customers with up-to-date, individualized solutions. In this respect, Shannon’s work is part of what makes Atlantic Capital a unique alternative to larger banks, where the needs of small business clients can often be overlooked. And with the possibilities of data analytics only beginning to unfold, the future looks bright for Atlantic Capital and its customers.

“Our goal is to expand this analysis beyond just loans,” Shannon says. “We want to aggregate relationships as a whole, so we can understand our customers even more clearly. It’s also important for us to fully understand what makes us who we are as a bank, so we know which customers we can best serve and how we can best serve them.”

With service being such an important piece of what Atlantic Capital does, it’s little wonder why Shannon chose the bank as her place of employment. Serving the community has long been a priority for Shannon, with she and her husband running Atlanta-area nonprofit The Well out of their family home. The organization focuses on helping low-income residents and the homeless in the city’s Old Fourth Ward neighborhood.

After learning about the organization, Atlantic Capital has taken the opportunity to partner with The Well on several community engagements, including back-to-school and winter coat drives, giving out food and toiletries to the homeless, and working with a local park to make it a safer place for children. The partnership developed organically and has been a natural fit for both parties.

Meanwhile, Shannon is grateful to work at a place that shares her values and takes an interest in her experiences. “At my previous bank, I didn’t have a voice. Even the years of experience didn’t matter. Here I can sit and talk with [CEO] Doug [Williams], with any of the executive management, and I feel like they care about what I have to say. They want to know my opinion, and that doesn’t exist at every company.”

Fun Facts About Shannon:

Favorite thing about living in Atlanta?

On any given day, you can find something fun to do. Coming from a small town in South Carolina, where the most fun thing to do growing up was a Walmart, the fact that you can go to a museum, a concert or a play is great. I really enjoy creativity and the arts.

Favorite travel destinations?

I spent a semester abroad in Spain when I was in college. I really loved the culture. Again, coming from a small town in South Carolina, to see the beauty of the architecture, the history and experience such deep culture was amazing.

Do you speak any Spanish?

I double-majored in Business and Spanish. I’d say I’m fairly fluent, though I can understand more than I can speak. Also, two of my kids are adopted from Guatemala, and I used my Spanish a lot during that process. I was able to communicate with Guatemalan attorneys and read legal documents in Spanish. I also used it just to talk to the kids. They were almost 2 years old at that point, and that was all they knew.

Address Book Address Card adjust Alarm Clock align-center align-justify align-left align-right Allergies ambulance American Sign Language Interpreting Anchor Angle Double Down Angle Double Left Angle Double Right Angle Double Up angle-down angle-left angle-right angle-up Archive Alternate Arrow Circle Down Alternate Arrow Circle Left Alternate Arrow Circle Right Alternate Arrow Circle Up Alternate Arrow Down Alternate Arrow from Bottom Alternate Arrow from Left Alternate Arrow from Right Alternate Arrow from Top Alternate Arrow Left Alternate Arrow Right Alternate Arrow Square Down Alternate Arrow Square Left Alternate Arrow Square Right Alternate Arrow Square Up Alternate Arrow to Bottom Alternate Arrow to Left Alternate Arrow to Right Alternate Arrow to Top Alternate Arrow Up Arrow Circle Down Arrow Circle Left Arrow Circle Right Arrow Circle Up arrow-down Arrow from Bottom Arrow from Left Arrow from Right Arrow from Top arrow-left arrow-right Arrow Square Down Arrow Square Left Arrow Square Right Arrow Square Up Arrow to Bottom Arrow to Left Arrow to Right Arrow to Top arrow-up Arrows Alternate Arrows Alternate Arrows Horizontal Alternate Arrows Vertical Arrows Horizontal Arrows Vertical Assistive Listening Systems asterisk At Audio Description backward Badge Check Badge Balance Scale ban Band-Aid barcode Barcode Alternate Barcode Read Barcode Scan Bars Baseball Baseball Ball Basketball Ball Basketball Hoop Bath Battery Bolt Battery Empty Battery Full Battery 1/2 Full Battery 1/4 Full Battery Slash Battery 3/4 Full Bed beer bell Bell Slash Bicycle Binoculars Birthday Cake Blind bold Lightning Bolt Bomb book bookmark Bowling Ball Bowling Pins Box Box Check Boxes Boxing Glove Braille Briefcase Medical Briefcase Browser Bug Building bullhorn Bullseye Burn Bus Calculator Calendar Alternate Calendar Calendar Check Calendar Edit Calendar Exclamation Calendar Minus Calendar Plus Calendar Times camera Alternate Camera Retro Camera Capsules Car Caret Circle Down Caret Circle Left Caret Circle Right Caret Circle Up Caret Down Caret Left Caret Right Caret Square Down Caret Square Left Caret Square Right Caret Square Up Caret Up Shopping Cart Arrow Down Add to Shopping Cart certificate Area Chart Bar Chart Line Chart Pie Chart Check Check Circle Check Square Chess Chess Bishop Alternate Chess Bishop Chess Board Chess Clock Alternate Chess Clock Chess King Alternate Chess King Chess Knight Alternate Chess Knight Chess Pawn Alternate Chess Pawn Chess Queen Alternate Chess Queen Chess Rook Alternate Chess Rook Chevron Circle Down Chevron Circle Left Chevron Circle Right Chevron Circle Up Chevron Double Down Chevron Double Left Chevron Double Right Chevron Double Up chevron-down chevron-left chevron-right Chevron Square Down Chevron Square Left Chevron Square Right Chevron Square Up chevron-up Child Circle Circle Notched Clipboard Clipboard Check Clipboard List Clock Clone Closed Captioning Cloud Cloud Download Cloud Download Alternate Cloud Upload Cloud Upload Alternate Club Code Code Branch Code Commit Code Merge Coffee cog cogs Columns comment Alternate Comment comments Compass Compress Alternate Compress Compress Wide Conveyor Belt Conveyor Belt Alternate Copy Copyright Credit Card Credit Card Blank Credit Card Front Cricket crop Crosshairs Cube Cubes Curling Cut Database Deaf Desktop Alternate Desktop Diagnoses Diamond DNA Dollar Sign Dolly Dolly Empty Dolly Flatbed Dolly Flatbed Alternate Dolly Flatbed-empty Dot Circle Download Dumbbell Edit eject Horizontal Ellipsis Alternate Horizontal Ellipsis Vertical Ellipsis Alternate Vertical Ellipsis Envelope Envelope Open Envelope Square eraser Euro Sign Exchange Alternate Exchange exclamation Exclamation Circle Exclamation Square Exclamation Triangle Expand Alternate Expand Expand Arrows Alternate Expand Arrows Expand Wide External Link Alternate External Link External Link Square Alternate External Link Square Eye Eye Dropper Eye Slash fast-backward fast-forward Fax Female Field Hockey fighter-jet File Alternate File Archive File Audio File Check File Code File Edit File Excel File Exclamation File Image File Medical File Medical File Alternate Minus File PDF File Plus File Powerpoint File Times File Video File Word File Film Alternate Film Filter fire fire-extinguisher First Aid flag flag-checkered Flask Folder Folder Open font Football Ball Football Helmet Forklift forward Frown Futbol Gamepad Gavel Gem Genderless gift Martini Glass Globe Golf Ball Golf Club Graduation Cap H Square H1 Heading H2 Heading H3 Heading Hand Holding Box Lizard (Hand) Paper (Hand) Peace (Hand) Hand Pointing Down Hand Pointing Left Hand Pointing Right Hand Pointing Up Pointer (Hand) Hand Receiving Rock (Hand) Scissors (Hand) Spock (Hand) Handshake Hashtag HDD heading headphones Heart Heartbeat Hexagon History Hockey Puck Hockey Sticks home hospital Hospital Alternate Hospital Symbol Hourglass Hourglass End Hourglass Half Hourglass Start I Beam Cursor Identification Badge Identification Card Identification Card Alternate Image Images inbox Inbox In Inbox Out Indent Industry Alternate Industry Info Info Circle Info Square Inventory italic Jack-o'-lantern key Keyboard Language Laptop leaf Lemon Level Down Level Down Alternate Level Up Level Up Alternate Life Ring Lightbulb Link Turkish Lira Sign List List Alternate list-ol list-ul location-arrow lock Alternate Lock Lock Open Alternate Lock Open Alternate Long Arrow Down Alternate Long Arrow Left Alternate Long Arrow Right Alternate Long Arrow Up Long Arrow Down Long Arrow Left Long Arrow Right Long Arrow Up Low Vision Luchador magic magnet Male Map map-marker Map Marker Alternate Map Pin Map Signs Mars Mars Double Mars Stroke Mars Stroke Horizontal Mars Stroke Vertical medkit Meh Mercury Microchip microphone Alternate Microphone Microphone Slash minus Minus Circle Minus Hexagon Minus Octagon Minus Square Mobile Phone Alternate Mobile Mobile Android Alternate Mobile Android Money Bill Money Bill Alternate Moon Motorcycle Mouse Pointer Music Neuter Newspaper Medical Notes Object Group Object Ungroup Octagon Outdent Paint Brush Pallet Pallet Alternate Paper Plane Paperclip paragraph Paste pause Pause Circle Paw Pen Alternate Pen Pen Square pencil Alternate Pencil Pennant Percent Phone Phone Slash Phone Square Phone Volume Pills plane Alternate Plane play Play Circle Plug plus Plus Circle Plus Hexagon Plus Octagon Plus Square Podcast Poo Portrait Pound Sign Power Off Prescription Bottle Prescription Bottle Alternate print Procedures Puzzle Piece qrcode Question Question Circle Question Square Quidditch quote-left quote-right Racquet random Landscape Rectangle Portrait Rectangle Wide Rectangle Recycle Redo Alternate Redo Registered Trademark Repeat Repeat 1 Alternate Repeat 1 Alternate Repeat Reply reply-all Retweet Alternate Retweet road rocket rss RSS Square Ruble Sign Indian Rupee Sign Save Scanner Scanner Keyboard Scanner Touchscreen Scrubber Search Search Minus Search Plus Server Share Share All Alternate Share Alternate Share Square Share Square Shekel Sign shield Alternate Shield shield Ship Shipping Fast Shipping Timed Shopping Bag Shopping Basket shopping-cart Shower Shuttlecock Sign In Alternate Sign In Sign Language Sign Out Alternate Sign Out signal Sitemap Horizontal Sliders Square Horizontal Sliders Vertical Sliders Square Vertical Sliders Smile Smoking Snowflake Sort Sort Alpha Down Sort Alpha Up Sort Amount Down Sort Amount Up Sort Down (Descending) Sort Numeric Down Sort Numeric Up Sort Up (Ascending) Space Shuttle Spade Spinner Spinner Third Square Square Full Star Exclamation Star star-half step-backward step-forward Stethoscope Sticky Note stop Stop Circle Stopwatch Street View Strikethrough subscript Subway Suitcase Sun superscript Sync Alternate Sync Syringe table Table Tennis tablet Alternate Tablet Tablet Android Alternate Tablet Android Rugged Tablet Tablets Tachometer Alternate Tachometer tag tags Tasks Taxi Tennis Ball Terminal text-height text-width th th-large th-list Thermometer Thermometer Empty Thermometer Full Thermometer 1/2 Full Thermometer 1/4 Full Thermometer 3/4 Full thumbs-down thumbs-up Thumbtack Ticket Alternate Ticket Times Times Circle Times Hexagon Times Octagon Times Square tint Toggle Off Toggle On Trademark Train Transgender Alternate Transgender Trash Alternate Trash Tree Tree Alternate Triangle trophy Alternate Trophy truck TTY Television Retro Televison Umbrella Underline Undo Alternate Undo Universal Access University unlink unlock Alternate Unlock Upload US Dollar Circle US Dollar Square User Alternate User User Circle user-md Add User User Secret Remove User Users Utensil Fork Utensil Knife Utensil Spoon Utensils Alternate Utensils Venus Venus Double Venus Mars Vial Vials Video Volleyball Ball volume-down volume-mute volume-off volume-up Warehouse Warehouse Alternate Watch Weight Wheelchair Whistle WiFi Window Alternate Window Window Close Window Maximize Window Minimize Window Restore Won Sign Wrench X-Ray Yen Sign Facebook Twitter Instagram LinkedIn LinkedIn In