Underwriting Support Services Credit Analyst

• Use a checklist to determine if all necessary financial information has been received on the borrower and guarantors for assigned loan requests. If information is missing, communicate with lending and credit staff to obtain required items
• Apply careful evaluation and insight to assess credit, collateral, and financial data
• Prepare all financial spreads, global cash flows and real estate models
• Assist with written guarantor analysis
• Assist in the preparation of Relationship Credit Reviews with an emphasis on risk assessment
• Complete financial indicator covenant monitoring
• Manage pipeline workflow, communicating accordingly with manager as needed
• Ensure high quality production and turnaround standards are achieved
• Assume ownership on all assigned tasks with little or no direct supervision
• Apply Renasant Bank's Loan Policies and Department Procedures consistently in the performance of assigned duties and responsibilities
• Participate in projects under the direction of senior credit and lending staff
• Perform other related duties as assigned
  
  
  
  
  
  
  
  
  
  
  
  
  
  Qualifications
  
  
  
  
  
  
  
  
  
  
  • Bachelor's Degree in Finance, Accounting, Business or Economics preferred (or equivalent years of directly related experience will be considered)
  • Minimum of 2 year of Commercial Underwriting experience or 5 years prior applicable banking/lending experience
  • Ability to apply sound judgment in analyzing and interpreting financial statements, supporting informed decision-making in risk evaluation
  • Knowledge of different collateral loan types and how to calculate LTV
  • Ability to identify different commercial loan types and purposes
  • Ability to analyze tax returns, accountant prepared financial statements and internally prepared financial statements
  • 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
  • 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 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. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law. This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    

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