Portfolio Manager

The Portfolio Manager is responsible for managing a developed and extensive commercial loan portfolio. This position will work with Lenders, Loan Assistants and customers to gather relevant needed information, prepare documents, obtain financial statements and assist in loan reviews.

Location listed is preferred office location but other locations within the Renasant footprint may be considered based upon convenience and business necessity.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Work with relationship managers to collect financial and related data in order to determine the general credit worthiness of prospects and customers and determine the merits of the specific loan request
• Maintain all credit files with up to date financials and inventory
• Monitor client financial statements and perform financial covenant checks
• Maintain maturity reports for individual loans and guidance line / credit renewals
• Prepare the loan submission form in nCino, addendums and other components of the loan package in coordination with the RM for both new and maturing loans,
• Otherwise assist in all aspects of managing the RCL Division portfolio
• Obtain and retain product knowledge
• Support the collection of past due loans and payments
• Support the clearing of financial statement and documentation exceptions
• Direct financial information to commercial credit analysts for spreading and analysis
• Monitor new developments in lending, compliance with loan policies and compliance with appropriate regulations
• Assist in preparation of Portfolio reports for distribution to Senior Management
• Participate with Lender in ongoing marketing to include making direct sales calls to prospects and customers
• Assume ownership of assigned customer portfolio with little or no direct supervision
• Perform other related duties as assigned

• A high school diploma or equivalent required, College degree with emphasis in Finance and/or Accounting or equivalent experience in financial analysis is preferred
• 1 year previous lending experience or 3 years job related experience
• Ability to read, analyze, and interpret business financial statements and tax returns
• Ability to effectively present information and respond to questions from groups of managers, clients, and customers.
• Financial and analytical skills
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
• Provide outstanding customer service to internal and external customers
• Thorough understanding of corporate financials and residential real estate as it relates to exposure and risk analysis
• Working knowledge of loan documentation and bank terminology
• Ability to deal tactfully and effectively with customers as well as fellow employees
• Knowledge of Federal laws and regulations involving loans
• Ability to analyze a credit application for completeness and for documents needed on loans
• Proficient with Word, Excel and Power Point, Ignite / nCino as well other internal Bank programs and systems

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.