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Senior Credit Underwriter

2 months ago

Atlanta, Georgia, United States Renasant Full time

Job Title: Senior Credit Underwriter


Overview: The Senior Credit Underwriter will deliver comprehensive commercial credit and financial analysis support to Renasant Bank's Commercial Lending Unit (CLU).


Responsibilities:

  • Evaluate the bank's more complex CLU credits associated with significant relationship exposures.
  • Specialize in Commercial Real Estate (CRE), Residential Construction Lending, Employee Stock Ownership Plans (ESOPS), and other specialized lending types.
  • Gather and develop credit information to assist the CLU in making informed lending decisions on new, renewal, and prospective loans by:
    • Utilizing a checklist to ensure all essential financial information has been collected from borrowers and guarantors for assigned loan requests.
    • Requesting any missing information as necessary.
    • Reviewing and analyzing all relevant credit, collateral, and financial data.
    • Preparing financial spreads, global cash flows, and real estate models.
  • Drafting a detailed Credit Memo that includes the Transaction Summary, Borrower History, Relationship Overview, Financial Analysis of Borrowers and Guarantors, Repayment Capacity, Collateral Assessment, and Industry Overview.
  • Creating written Relationship Credit Reviews.
  • Monitoring financial indicator covenants.
  • Providing insights and recommendations to Relationship Managers, Credit Officers, and other stakeholders regarding the creditworthiness of borrowers and guarantors, loan structure, risk ratings, and other critical financial factors.
  • Managing pipeline workflow and communicating effectively with management as needed.
  • Ensuring high-quality production and turnaround standards are consistently met.
  • Completing nCino responsibilities for each assigned loan in line with the CLU Job Aide, including Pre-Flights, Total Exposure Determination, Final Review Steps, Covenants, Exceptions, and Loading Credit Information into the respective Document Management Systems.
  • Participating in client calls with the Relationship Manager/Managing Director to gain insights into client needs and credit requests.
  • Actively identifying and referring new business opportunities to appropriate bank personnel.
  • Making additional product recommendations to the Relationship Manager/Managing Director.
  • Applying Renasant Bank's Loan Policies and Department Procedures consistently in all assigned duties.
  • Performing other related tasks as assigned.

Qualifications:

  • High school diploma or equivalent required; Bachelor's Degree in Finance, Accounting, Business, or Economics preferred (or equivalent years of directly related experience will be considered).
  • A minimum of 3 years of Commercial Underwriting experience or 5 years of relevant banking/lending experience.
  • Experience with various collateral loan types and understanding how to calculate Loan-to-Value (LTV).
  • Experience in underwriting commercial construction, Commercial & Industrial (C&I), and CRE loans.
  • Familiarity with underwriting specialty loan types.
  • Ability to identify different commercial loan types and their purposes.
  • Proficient in analyzing tax returns, accountant-prepared financial statements, and internally prepared financial statements.
  • Capability to work independently as well as collaboratively within a team.
  • Strong verbal and written communication skills.
  • Ability to learn and utilize new systems, processes, policies, and procedures effectively.
  • Proficient in Microsoft Office Suite, including Outlook, Word, and Excel.
  • Ability to use a financial calculator for loan payments and other financial calculations.
  • Demonstrated ability to prioritize and manage multiple deadlines.
  • Exhibit a positive, proactive, and flexible approach while providing excellent service to both internal and external stakeholders.

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 essential functions.

Work Environment: The professional working environment requires effective communication, both verbally and in writing. Employees must demonstrate strong interpersonal skills when collaborating with internal business partners and external clients. Confidentiality must be upheld at all times due to exposure to sensitive information.

This description is intended to outline 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.