Senior Credit Underwriting Manager – High-Value Loans

Renasant Bank; Tupelo (MS); On-site; USD 120,000 - 150,000; Full time

Job summary

Renasant Bank in Tupelo, MS is seeking a Senior Credit Underwriting Manager to lead a CLU underwriting team, directing complex loan reviews, and producing credit memorandums for large commercial borrowers. The role includes hiring, training, pipeline management, and ensuring policy adherence across high-value transactions.

Applicants should bring extensive underwriting experience, strong communication skills, and the ability to mentor staff while managing multiple high-stakes credits with

Qualifications

• Minimum of 5 years of prior Commercial Loan Underwriting experience or 10 years of Commercial Lending experience.
• Experience in underwriting commercial construction, C&I, and CRE type loans.
• Ability to demonstrate a strong competency in underwriting CLU's most complex borrowers, guarantors and credits.
• Ability to identify different commercial loan types and purposes and recommend loan terms and structures.
• Ability to analyze tax returns, accountant prepared financial statements and internally prepared financial statements.
• Strong verbal and written communication skills.
• Be a positive, proactive, and flexible employee providing RNSTXcellence service to both internal and external relationships.
• Must be able to prioritize and plan work activities to use time efficiently.
• Ability to manage multiple deadlines.
• Proficient in Microsoft Office suite of products including Outlook, Word, and Excel.

Responsibilities

• Manage and mentor employees in the completion of commercial loan underwriting responsibilities for unsecured loans of $250M or more and secured exposures of greater than $250M.
• Manage assignments and timely completion of workflow coming into the department including pre-flights, new and renewal loan requests, annual reviews, and other credit activities.
• Train and guide employees in the application of the bank's loan policies and department procedures in the completion of their underwriting responsibilities.
• Support and encourage employees, answering questions and serving as the subject matter expert to underwriting staff when needs arise.
• Manage the performance appraisal process to measure the progress and development of assigned employees.
• Provide feedback and assistance to upper management relative to commercial credit underwriting topics and responsibilities upon request.
• Interview and hire commercial underwriting staff.
• Approve employee timecards, overtime and vacation.
• Underwrite the bank's larger more complicated 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.
• Review and analyze all pertinent credit, collateral, and financial information.
• Prepare all financial spreads, global cash flows, and real estate models.
• Prepare 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 Industry.
• Prepare written Relationship Credit Reviews.
• Complete financial indicator covenant monitoring.
• Provide 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 factors.
• Manage pipeline workflow communicating accordingly with manager as needed.
• Ensure high quality production and turnaround standards are achieved.
• Assume ownership of assigned credits with little or no direct supervision.
• 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.
• Attend client calls with the Relationship Manager/Managing Director to gain insight on the client/credit request.
• Seek and refer new business opportunities to appropriate bank staff.
• Make additional product (cross-sell) recommendations to the Relationship Manager/Managing Director.
• Apply Renasant Bank's Loan Policies and Department Procedures consistently in the performance of assigned duties and responsibilities.
• Perform other related duties as assigned.

Skills

Credit underwriting

Team leadership

Mentoring

Financial analysis

Loan policies

nCino

Communication

Attention to detail

Education

Bachelor's degree in Finance, Accounting, Business, or Economics

High School Diploma or equivalent

Job description

Renasant Bank in Tupelo, MS is seeking a Senior Credit Underwriting Manager to lead a CLU underwriting team, directing complex loan reviews, and producing credit memorandums for large commercial borrowers. The role includes hiring, training, pipeline management, and ensuring policy adherence across high-value transactions.

Applicants should bring extensive underwriting experience, strong communication skills, and the ability to mentor staff while managing multiple high-stakes credits with