Georgia Employer HELOC CREDIT ANALYST in Lawrenceville, Georgia

HELOC Credit AnalystJob ID2019-5510Job LocationsUS-AL-Huntsville | US-MS-Tupelo | US-AL-Birmingham | US-TN-Nashville | US-MS-Madison | US-TN-Memphis | US-GA-Lawrenceville OverviewEnsures a high level of credit quality by providing Consumer loan underwriting support, and analysis and complete credit analysis services to the company's branch offices and senior management. A high level of independence in the work and demonstrated trust by the lending staff is required.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 sit; 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 10 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.WORK ENVIRONMENT:There is minimum discomfort from noise in this area. Detailed instructions and procedures to be followed in a potentially hazardous condition (i.e. robbery) are received to minimize the risk.Responsibilities1. Developing credit information for use by the lending officers or senior management in making lending decisions on new, renewal and extension loans.A. Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies and main office files.B. Prepares all calculations for income to determine the debt service.C. Determines the need for more thorough investigation or additional information and completes that investigation.D. Analyses income, debt obligations and related material to determine the credit worthiness of the request.E. Prepares summary, presents facts and offers opinions concerning creditworthiness to loan officers or senior management in written decisions and or in oral presentations.2. Monitors and helps maintain the Bank's Credit Scoring systems by calculating debt service ratio and monitoring application accuracy.3. Works with loan officers over the phone to assist them in qualifying loans.4. Keeping informed of current practices in loan underwriting, accounting, economics and credit analysis.5. Enforcing the override policies and process all requests for consumer overrides.6. Performs other duties as assigned.Qualifications1. High school diploma or equivalent; Bachelor's Degree in Business, Accounting or Finance preferred.2. Three or more years of lending or lending related experience or training, or equivalent combination of education and experience.3. High degree of analytical skills.4. High degree of bank and lending knowledge.5. Proficient computer skills.6. Proficient verbal and written communication skills.RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER