SBLU Credit Underwriter I

Renasant Bank•Nashville, TN

5d•Onsite

About The Position

The SBLU Credit Underwriter I provides fundamental commercial credit and financial analysis support to Renasant Bank’s Small Business Lending Unit (SBLU) credit risk management responsibilities.

Requirements

High school diploma or equivalent required
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

Nice To Haves

Bachelor's Degree in Finance, Accounting, Business or Economics is preferred (or additional years of directly related experience, above the minimum, will be considered)

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 by: 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 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