Assistant Relationship Manager

Renasant Bank•Nashville, TN

About The Position

The Assistant Relationship Manager is an entry-level commercial lending position intended to expose the employee to all facets of commercial lending and help develop the employee into a commercial lender. The role assists Relationship Managers and Lending Assistants in managing existing and new customer relationships, gathering financial information, preparing loan documentation, addressing customer payments and past dues, supporting deposit-related efforts, and researching information for loan submission packages. The position works with internal business partners and external clients in a professional bank environment. Employees must communicate effectively, maintain confidentiality when handling proprietary information, and follow detailed procedures to safeguard the Bank’s employees, customers, and assets in potentially high-risk situations. Duties may change or expand as needs arise.

Requirements

High school diploma or equivalent.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, and procedure manuals.
Ability to effectively communicate information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to interpret instructions provided in written, oral, diagram, or schedule form.
Ability and motivation to make sales calls.

Nice To Haves

Knowledge of federal laws and regulations involving loans.
Ability to analyze a credit application for completeness and identify documents needed for different types of loans.
Bachelor’s degree.
Customer service experience.

Responsibilities

Assist Relationship Managers with closing and documenting new and existing credit facilities, and attend loan closings.
Assist Relationship Managers with calls on new and existing bank clients, and attend calls.
Support preparation of loan submission packages for new loans and renewals, including financial spreads, cash flow statements, commercial real estate models, and ROE models.
Direct financial statements to commercial credit analysts for spreading and analysis.
Research and draft reports on new and existing clients, including company histories, financial analysis, collateral analysis, global cash flow analysis, and strengths and weaknesses of loan requests.
Research and draft industry reports for existing and potential customers using public information, trade publications, and other resources.
Compile targeted lists of potential business clients for Relationship Managers to use in business development.
Assist Relationship Managers with exceptions, credit file maintenance, credit monitoring requirements, portfolio review preparation, and covenant maintenance.
Obtain and retain product knowledge.
Provide backup support in managing internal audits, external audits, and examinations related to lending.
Perform other related duties as assigned.