The Assistant Relationship Manager is an entry-level position associated with commercial lending. This position will expose the employee to all facets of commercial lending as a means of developing the employee into a commercial lender. This position will assist the Relationship Managers and Lending Assistants in managing existing and new customer relationships. Additionally, the Assistant Relationship Manager will provide assistance with financial gathering, loan documentation, customer payments/past dues and deposit related efforts and will assist with needed research for the preparation of loan submission packages.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Assist relationship managers in the closing and documentation of new and existing credit facilities and attend loan closings
• Assist relationship managers with calls on new and existing bank clients and attend calls
• Support relationship managers in the preparation of loan submission packages for new loans and renewals of existing loans 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 company reports for new and existing clients, including company histories, financial analysis, collateral analysis, global cash flow analysis, and strengths and weaknesses of any loan requests
• Research and draft industry reports for existing and potential customers from available public information, trade publications, and additional resources
• Compile targeted potential business client lists for relationship managers to utilize in business development
• Assist relationship managers with exceptions, credit file maintenance, credit monitoring requirements, preparation for portfolio reviews and required covenant maintenance
• Obtain and retain product knowledge
• Provide back-up support for managing the internal audit, external audit and examination process with respect to lending
• Perform other related duties as assigned

Minimum

• A high school diploma or equivalent required
• 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 a variety of instructions furnished in written, oral, diagram, or schedule form
• Ability and motivation to make sales calls

Preferred

• Knowledge of Federal laws and regulations involving loans
• Ability to analyze a credit application for completeness and for documents needed on all types of loans
• Bachelor's degree
• Customer service experience

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 (i.e. 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.