Community Banking Assist Relationship Mgr. I

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POST DATE 9/15/2016
END DATE 10/13/2016

Cadence Bank N.A. Tuscaloosa, AL

Tuscaloosa, AL
AJE Ref #
Job Classification
Full Time
Job Type
Company Ref #
Mid-Career (2 - 15 years)
Bachelors Degree


Works with Relationship Manager to manage assigned business relationships and loan portfolio(s). Responsibilities include: analyzing financial data and preparing comprehensive written analyses, analyzing portfolio credit quality, assisting Relationship Manager in presenting credit requests to Credit Approval, identifying cross-sell opportunities with customers and making appropriate referrals. Successful candidate will be assigned client relationships and co-manage client relationships and portfolio credit quality with a Relationship Manager.

Essential Job Duties
-Works with Relationship Manager to manage assigned customer relationships and loan portfolios.
-Assists Relationship Manager with identifying prospects and opportunities with existing clients. Accompanies Relationship Manager on customer/prospect calls.
-Primary underwriter of credit displays for existing loans (annual reviews) and new deals. Underwrites and prepares pre-flights.
-Spreads and/or analyzes financial statements of potential and existing customers utilizing the bank s accepted analytical credit criteria.
-Prepares and/or oversees the preparation of loan applications and supporting documents and loan information sheets for new and existing accounts to include the ordering and reviewing of appraisals and environmental reports as required. Oversees preparation of collateral and loan documentation. Works with loan administration and attorneys to close new loans and set up and maintain credit files.
-Works with Relationship Manager in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing. Conducts credit investigations when necessary.
-Updates trending reports and makes recommendations to Relationship Manager for approvals and/or changes to new or existing credit lines. Utilizes trend reports to identify deterioration or improvement in risk factors which might affect a customer s rating.
-Monitors compliance with loan agreement covenants and reporting requirements.
-Interacts with clients/prospects. Acts as liaison between Relationship Manager and other departments, as required. Provides backup to client/prospect when Relationship.

Minimum Qualifications

Required Skills
Excellent oral and written communication skills.
Ability to interact with existing and new business clients.
Experience with Excel and Word required.
Ability to work independently and with little supervision, and as a team.
High level of accuracy and attention to detail.
Ability to organize, prioritize and follow through on work assignments.
Ability to analyze situations and make sound decisions.
Knowledge of the Tuscaloosa market.

Required Education
Bachelor s degree required.

Preferred Experience
3-4 years of experience in a credit/underwriting role supporting a commercial lending or related area.

The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. Cadence Management reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.