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

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

• 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

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.