Senior Commercial Credit Analyst

4 weeks ago

Atlanta, Georgia, United States Renasant Full time
Job Title: SBLU Credit Underwriter I

Renasant Bank is seeking a highly skilled SBLU Credit Underwriter I to provide fundamental commercial credit and financial analysis support to our Small Business Lending Unit (SBLU) credit risk management responsibilities.

Key Responsibilities:
  • Analyze noncomplex SBLU credits with loan amounts typically less than $100M
  • Develop credit information for use by the SBLU in making lending decisions on new, renewal and prospective loans
  • Review and analyze all pertinent credit and financial information, including business and personal financial statements, business and personal tax returns, and business and personal credit reports
  • Prepare all financial spreads and other financial modeling
  • Determine the need for a more thorough investigation or additional information and completes that investigation
  • Prepare written summary, gives oral feedback, presents facts and offers opinions concerning credit worthiness to the SBLU
  • Manage pipeline workflow, communicating accordingly with manager as needed
  • Ensure high quality production and turnaround standards are achieved
  • Complete nCino responsibilities, including loading credit information into doc man, adding additional information, following department nCino steps, and understanding total exposure
  • Monitor and help maintain the Bank's Credit Scoring systems by calculating debt service ratios and monitoring application accuracy
  • Work with loan officers over the telephone to assist them in qualifying loans
  • Calculate the pricing on SBLU requests
  • Requires direct supervision, oversight, and guidance in completion of assigned responsibilities
  • Apply Renasant Bank's Loan Policies and Department Procedures consistently in the performance of assigned duties and responsibilities
  • Perform other related duties as assigned
Requirements:
  • High school diploma or equivalent required; Bachelor's Degree in Finance, Accounting, Business, or Economics is preferred (or additional years of directly related experience, above the minimum, will be considered)
  • Minimum of 1 year of job-related experience
  • Ability to work independently and as part of a team
  • Strong verbal and written communication skills
  • Ability to learn and use new systems, processes, policies, and procedures effectively and efficiently
  • Must be able to prioritize and plan work activities as to use time efficiently to consistently complete the underwriting of 2 or more credits per day
  • Ability to manage multiple deadlines
  • Proficient in Microsoft Office suite of products, including Outlook, Word, and Excel
  • Ability to use a financial calculator to calculate loan payments and other financial calculations
  • Ability to learn varied job assignments readily
  • Be a positive, proactive, and flexible employee providing RNSTXcellence service to both internal and external relationships

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