Consumer Relationship Officer

1 week ago


Jasper, Georgia, United States Renasant Full time
Job Summary

The Consumer Relationship Officer will be responsible for establishing relationships with customers to make consumer loans. This position will be permitted to extend credit within established lending limits and make recommendations and presentations on loans above that limit. The successful candidate will also be responsible for developing and maintaining a loan portfolio that provides maximum profitability to the bank with minimum risk.

Key Responsibilities
  • Review application and financial information for completeness and follow up on any missing documentation
  • Conduct consumer loan credit investigations
  • Prepare and send required disclosures
  • Conduct collateral and other analysis as needed to render a credit decision
  • Prepare loan presentation for submission to next level of authority
  • Ensure the satisfactory and prompt delivery of all loan underwriting decisions
  • Communicate alternative financing options to customers
  • Possess the ability and willingness to make credit decisions within their authority limits
  • Obtain and retain product knowledge
  • Cross sell all company products and services
  • Perform other duties as assigned
  • Provide back up support for other branch functions
  • Conduct loan training for Customer Service Representatives and other branch/bank personnel, as needed
  • Participate in new consumer and mortgage loan product development and implementation
  • Participate in all assigned duties and responsibilities
  • Will be involved in community activities
  • Perform other related duties as assigned
Requirements
  • A high school diploma or equivalent is required; a college degree is preferred
  • One year consumer loan lending, credit underwriting, credit administration/support experience
  • One year of customer service experience
  • Good decision making skills
  • Planning and organizing skills
  • Technical knowledge and proficiency to handle the activities and responsibilities of the job
  • Effectively communicate to customers, branch personnel, officers, and senior management
  • Professional verbal and written communication skills
  • Professional sales ability
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 proprietary 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.



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