Account Executive - RBC

The primary responsibilities of this position are to ensure the performance of an assigned group of asset based lending ("ABL") loans are sound and that Republic Business Credit's ("RBC") management of loans is following credit policy, operating conditions, and approval conditions as set out in the Client Credit Committee Approval ("CCCA") document (or as amended by subsequent client reviews and amendments) - collectively "Credit Standards". To provide an effective and service-orientated interaction with ABL borrowers. To identify and deal with escalated risk issues within the assigned group of ABL loans and bring issues to the Portfolio Manager's attention as required by Credit Standards.

Employer: Republic Business Credit, a subsidiary of Renasant Bank

This position serves Republic Business Credit which is a subsidiary of Renasant Bank.

REPUBLIC BUSINESS CREDIT AND RENASANT BANK ARE EQUAL OPPORTUNITY EMPLOYERS

To oversee the management of the assigned group of ABL loans in line with Credit Standards:
• Ensure all policy exceptions are reviewed and approved in line with Credit Standards including the approval of the Credit Committee as appropriate
• Identify risk issues through various means of monitoring and analysis, to include but not be limited to collateral performance analysis, financial statement analysis, bank statement reviews, legal documentation reviews, field examination report reviews, and appraisal report reviews
• Address risk issues as per authorities in the Credit Standards, bringing them to the immediate attention of the Portfolio Manager (and / or senior management as required) if prompt action is required or raising them as a review matter in the regular Portfolio review meetings
• Ensure all operating and/or funding conditions are complied with for new and existing clients. Liaise with and support the Portfolio Manager for ongoing compliance matters
• Liaise with field examiners, appraisers, attorneys, and other third parties as required to ensure thorough and accurate work products as well as prudent decision making
• Ensure any client accommodation is documented and executed within the terms of the Credit Standards and is prudent. The Account Executive will recommend support for or lack thereof for client over-advances and credit amendments in respect of the performance of the client and the client's collateral
• Review verification levels of the assigned group of ABL loans and ensure they are in line with Credit Standards, providing guidance for direct targeting of verification activity as necessary to achieve desired levels
• Review of borrowing bases ("BBC's") in line with specific client requirements, and in line with Credit Standards
• Ensure the appropriate scheduling of appraisals and field examinations and their timely review
• Perform thorough client reviews on time, as scheduled, and as required by Credit Standards, raising areas of concern and providing recommendations for action
• Travel by car and/or plane to visit other RBC office locations and clients
• Present in monthly meetings the status of the assigned group of ABL loans to the Portfolio Manager and COO identifying any material client issues and recommend operational strategy in response thereto
• Perform other related duties as needed to support the business as required
• Work in the office as scheduled or otherwise required by the Portfolio Manager or COO, which is expected to be a minimum of three days a week, Tuesday through Thursday, and as business needs arise

• Bachelor's degree or equivalent work experience
• 2 to 5 years of ABL experience
• Thorough understanding of relevant ratios and their calculations
• Strong communication skills
• Strong organizational skills
• Ability to handle clients in a robust but professional manner
• Ability to meet deadlines, manage expectations, and handle multiple priorities simultaneously
• Ability to work with a computer and browser-based platforms as well as various software including but not limited to Word, Excel, Google Sheets, Adobe, Zoom, and Teams
• Strong Microsoft Excel skills
• Effective interpersonal skills with strong oral and written skills
• Strong Problem-solving skills and ability to recommend appropriate solutions
• Ability and willingness to travel bay various means as required to fulfill the duties of the role

Benefits

Renasant offers the following benefits for this position: Medical, Dental, Vision, Flexible Spending Account, Dependent Care Flexible Spending Account, Health Savings Account, Group Life Insurance/AD&D/LTD, Voluntary Life Insurance (Term and Whole), Supplemental Disability Plans, 401(K) Plan, Employee Assistance Program, Tobacco Cessation Program, Family Medical Leave, Paid Leave Accruals, Holiday Pay, Employee Savings Plan, and Employee Checking.

The base annual salary for this position ranges from $90,000-$125,000. Pay is based on several factors including but not limed to, market location and may vary depending on job related knowledge, skills, education/training, and a candidate's work 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.