Commercial Relationship Manager – Loans & Growth

Renasant Bank; Plaquemine (LA); On-site; USD 70,000 - 100,000; Full time

Job summary

Renasant Bank in Plaquemine, LA is seeking a Commercial Relationship Officer to build and manage a portfolio of commercial loan relationships. You will interview applicants, structure and negotiate loan terms, and analyze new and renewed loans within lending limits.

You will approve loans within authority, monitor portfolio risk, develop pricing strategies, and collaborate with bank partners to grow business while maintaining high service standards.

Qualifications

• 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

Responsibilities

• 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

Skills

Relationship management

Negotiation

Sales ability

Communication skills

Financial analysis

Education

High school diploma or equivalent

Bachelor's degree preferred

Tools

CRM software

Credit analysis software

Microsoft Excel

Job description

Renasant Bank in Plaquemine, LA is seeking a Commercial Relationship Officer to build and manage a portfolio of commercial loan relationships. You will interview applicants, structure and negotiate loan terms, and analyze new and renewed loans within lending limits.

You will approve loans within authority, monitor portfolio risk, develop pricing strategies, and collaborate with bank partners to grow business while maintaining high service standards.