Business Banking Officer

Business Banking OfficerThe Business Banking Officer will be responsible for building a book of business and managing a loan and deposit portfolio primarily focused on business and consumer relationships. Loans should generally fit within the SBLU, BBLU and DecisionPro models. In addition, this role will be responsible for business development, calling on prospects, and using networking and referral sources to grow a portfolio and cross sell related bank services.RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYERResponsibilitiesManage an active portfolio of small business and consumer loans and depositsAchieve loan and deposit goals provided by managementInterview applicants, structure and negotiate loan terms, and analyze new and renewed loansReview applications and financial information for completeness and follow up on any missing documentationPrepare and send required disclosures in a timely manner to avoid exceptionsConduct collateral and other analysis as needed to render a credit decisionPossess the ability and willingness to approve loans within loan authorityActively participate in new business development program by identifying, developing and documenting calls on perspective clients to generate new loan and deposit opportunitiesManage the loan closing processing, which includes working directly with back office departments and third party vendorsProvide back up support for other branch functionsParticipate in community activities and eventsObtain and retain product knowledgeCross sell all company products and servicesHandle customer problem resolutionPerform other related duties as assignedQualificationsHigh School diploma or equivalent required. College education preferred, but not required2 years of banking, credit or other financial services experience requiredBackground in retail banking, consumer lending, and commercial lending preferredDemonstrate high level of sales and service skillsAbility to analyze credit applications for completeness on all types of loansKnowledge of Federal laws and regulations involving loans and depositsGood decision making, planning and organizing skillsTechnical knowledge and proficiency to handle the activities and responsibilities of the jobEffectively communicate with clients, branch personnel, officers and senior managementProfessional verbal and communication skillsProfessional sales abilityPhysical DemandsThe 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 EnvironmentThe 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.