BBLU Credit Underwriter

Overview

The BBLU Credit Underwriter I position provides fundamental commercial credit and financial analysis support to Renasant Bank’s Business Banking Lending Unit (BBLU).

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

• Complete financial analysis of borrowers and guarantors for BBLU size commercial credits
• Develop credit information for use by the BBLU in making lending decisions on new, renewal and prospective loans by:
  • 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, it is requested
  • 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 to determine credit worthiness of borrowers and guarantors
  • Prepare all financial spreads and global cash flows
  • Prepare summary written financial analysis of borrowers and guarantors in the LSP and offer opinions concerning credit worthiness to relationship managers and credit officers
  • Manage pipeline workflow communicating accordingly with manager as needed
  • Ensure high quality production and turnaround standards are achieved
• Requires direct supervision, oversight and guidance in completion of assigned responsibilities
• Complete nCino responsibilities for each assigned loan in accordance with the BBLU Job Aide including:
  Pre-Flights, Determining Total Exposure, Final Review Steps, Covenants, Exceptions, Loading Credit Information into the respective Doc Mans and Additional Information
• Work with loan officers over the telephone to assist them in qualifying loans.
• Complete the BBLU Loan Rate Calculator for pricing
• Apply Renasant Bank’s Loan Policies and Department Procedures consistently in the performance of assigned duties and responsibilities
• Perform other related duties as assigned

• Bachelor's Degree in Finance, Accounting, Business or Economics preferred (or equivalent years of directly related experience will be considered)
• Minimum of 1 year of Commercial Underwriting experience or 3 years prior applicable banking/lending experience
• Ability to identify different commercial loan types and purposes
• Ability to analyze tax returns, accountant prepared financial statements and internally prepared financial statements
• Must be able to prioritize and plan work activities as to use time efficiently to consistently complete the underwriting of one credit per day
• 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
• 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

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.

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.