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This is a job for a SBLU Credit Underwriter I position with a company located in the Tupelo, MS area. 

Overview: 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.

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.

Qualifications: High school diploma or equivalent required; Bachelor's Degree in Finance, Accounting, Business or Economics is preferred (or additional years of directly related experience, above the minimum, will be considered). 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

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.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER