Underwriter Jobs in Sandy Springs, GA

Overview

The CL Credit Underwriter I will provide commercial credit and financial analysis support to Renasant Bank’s Commercial Lending Unit (CLU).

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Responsibilities

• Underwrite the bank’s CLU credits in some of the bank’s highest relationship exposures
• Develop credit information for use by the CLU 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, request itReview and analyze all pertinent credit, collateral, and financial informationPrepare all financial spreads, global cash flows and real estate modelsPrepare a written Credit Memo presenting the Transaction Summary, History of Borrower, Relationship History, Financial Analysis of Borrower(s) and Guarantor(s), Repayment Ability, Collateral and IndustryPrepare written Relationship Credit ReviewsComplete financial indicator covenant monitoringProvide feedback and recommendations to Relationship Managers, Credit Officers and Others about the creditworthiness of the borrower and guarantors, the loan structure, risk rating and other pertinent credit / financial factorsManage pipeline workflow communicating accordingly with manager as neededEnsure high quality production and turnaround standards are achieved
• Require direct supervision, oversight, and guidance in completion of assigned responsibilities
• Complete nCino responsibilities for each assigned loan in accordance with the CLU Job Aide including : Pre-Flights, Determining Total Exposure, Final Review Steps, Covenants, Exceptions, Loading Credit Information into the respective Doc Mans and Additional Information
• Apply Renasant Bank’s Loan Policies and Department Procedures consistently in the performance of assigned duties and responsibilities
• Perform other related duties as assigned

Qualifications

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 (. 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.