Commercial Relationship Officer

Renasant Corp•Tifton, GA

69d

About The Position

The Commercial Relationship Officer will be responsible for establishing business relationships for the purposes of making commercial loans. This position is permitted to extend credit within established lending limits and to make recommendations and presentations on loans above that limit. This position is also responsible for developing and maintaining a loan portfolio, which provides maximum profitability to the bank with minimum risk. RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Requirements

High school diploma or equivalent required; Bachelor's degree preferred
1 year previous lending experience or 3 years job related experience
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, and procedure manuals
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and local organizations
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Professional sales ability
Professional verbal and written communication skills

Responsibilities

Manage an active portfolio of small and medium to large loan relationships
Interview applicants, structure and negotiate loan terms, and analyze new and renewed loans
Approve loans within loan authority
Assign appropriate risk grades to loans and relationships
Develop and recommend pricing strategies and parameters
Actively participate in new business development program by identifying, developing, and documenting calls on prospective customers and referral sources for all bank products and services
Cross sell all company products and services
Obtain and retain product knowledge
Facilitate the collection of past due loans
Direct financial statements to commercial credit analysts for spreading and analysis
Respond to referrals from Senior Management of the bank, company, and others
Maintain and enhance the relationships with the bank's customers and referral sources
Participate in setting organizational and departmental goals and expectations where appropriate
Monitor new developments in lending, compliance with loan policies, and compliance with appropriate regulations, and suggest changes in credit policy
Provide training and guidance for lending personnel
Provide back up support for managing the internal and external audit examination process with respect to lending
Participate in community activities and organizations
Perform other related duties as assigned