Senior Credit Underwriting Officer

Overview

Support the Bank's larger and more complicated credit requests primarily in the local market but also bank-wide if needed.

***RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER***

Responsibilities

• Support the Bank’s larger and more complicated credit request.  In some markets, this role will specialize in Residential Construction Lending, Business Manager, ESOPS and other focused types of lending.
• Review loan submissions, underwriting decisions and process flow to achieve maximum department efficiency, productivity, customer service with minimal turnaround time.
• Prepare cash flow analysis and spreads.
• Prepare written analysis for credit memo used in the credit approval package.
• Work with the Relationship Manager to prepare a final approval package for the approval team.
• Ensure high credit quality, production and turnaround standards are achieved.
• Assist in the development of credit underwriting tools.
• Make recommendations regarding loan structure to the Relationship Manager during the underwriting process and communicate directly with the Regional Senior Credit Officers in his/her market regarding credits in the pipeline.
• Assist in the development and communication of revisions/additions to Bank policy. The Senior Credit Underwriter is expected to be a subject matter expert of loan policy matters.
• Assist in the preparation for regulatory examinations playing a lead role when necessary.
• Provide "ownership" of certain credits to include monthly high level reviews of BBCs and covenant compliance forms within the local market for specified credits and perform annual reviews when necessary.
• When appropriate, attend client calls with the Relationship Manager/Managing Director to gain insight on the client/credit request.
• Seek and refer new business opportunities to appropriate bank staff.
• Make additional product (cross-sell) recommendations to the Relationship Manager/Managing Director.
• Other related duties as assigned.

Qualifications

• Bachelor's Degree and 5 years applicable experience OR 10 years’ applicable experience.
• Ability to make underwriting decisions with minimal supervision.
• Ability to learn new systems effectively and efficiently.
• Meet tight deadlines and multi task under pressure.
• Proficient in Microsoft Office products.
• Strong Excel skills.
• Ability to learn varied job assignments readily.
• Ability to communicate with the public in a courteous and professional manner.

Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank’s professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank’s employees, customers, and assets.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word “May”.

This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties.  Other duties may be assigned as needs arise.

This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description. All requirements may be modified to accommodate physically or mentally challenged staff members reasonably.