Government Guaranteed Lending Sales Support Specialist

The Government Guaranteed Lending (GGL) Sales Support Specialist is responsible for assisting GGL Officers and SBA Bankers with onboarding new SBA 7a, 504 and USDA opportunities. The GGL Sales Support Specialist is responsible for working directly with SBA, CDC and USDA as necessary to obtain loan approvals ensuring loans meet regulatory loan requirements.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Assess borrowers, prospects and opportunities in the context of the loan type to determine what information is needed
• Create borrower and prospect document needs lists
• Collect, perform quality control checks, and organize financial information from customers and prospects
• Onboard borrower and loan information to Ignite
• Package loans for SBA/USDA and drive the loan to the closing process working with other SBA team members when needed
• Ensure loans meet regulatory loan program requirements partnering with other SBA team members when needed
• Spread and analyze borrower financial information, using experience and sound judgment to navigate gray areas where necessary
• Work with lenders to create and develop credit memos for vetting and formal analysis
• Communicate autonomously and independently with the SBA, CDC's and USDA as necessary to negotiate, clarify, and problem-solve with officials to obtain loan approvals. Has authority to make independent decisions as it relates to following SBA and USDA regulations and Standard Operating Procedure (SOP) manuals.
• Cross sell other bank products and services to clients
• Will be involved in occasional community activities
• Attend and participate in all required Bank and Department meetings as requested
• Perform other related duties as assigned

The ideal candidate will possess the following traits:

• Underwriting background, with the ability to spread financial information and prepare credit write-ups
• Understanding of business and personal financial statements and tax returns
• Understanding of loan covenants and loan documentation
• Strong executive function skills. A person that is organized, detail oriented, and good with follow up.
• Advanced organization and communication capabilities

Minimum:

• A high school diploma or equivalent
• At least 2 years of commercial loan support, lending, credit, special asset, and/or SBA background (lending, account management, packaging and closing, and/or underwriting)
• Display professional interpersonal, verbal and written communication skills
• Working (intermediate) knowledge of MS Word, Excel and Outlook
• Technical knowledge and proficiency to handle the activities and responsibilities of job
• Ability to work independently and maintain reasonable pace to complete assignments on time
• Effectively communicate with SBA/USDA personnel, bank legal representatives, officers, and senior management
• Client service orientation
• Ability to effectively multi-task
• Strong organizational skills with exceptional attention to detail

Preferred:

• Familiarity with Renasant credit process and policy
• Familiarity with Ignite/nCino
• Bachelor's degree
• Fluency in SBA and/or USDA SOPs, program eligibility, credit criteria and loan structure requirements
• 2 years of experience in SBA lending
• Commercial construction lending experience

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.