Digital Consumer Relationship Manager

Digital Consumer Relationship ManagerThe Digital Consumer Relationship Manager is responsible for delivering an exceptional digital experience to our customers in support of the organization's overall sales and service culture by leveraging technology and acting as a trusted advisor, demonstrating an understanding of the customer's financial needs, and then offering competitive solutions to meet those needs. In alignment with the organization's vision, mission, values and business model, the Digital Consumer Relationship Manager focuses on generating consumer loans, mortgages, deposits, and other financial services for new and existing customers, received through an internal or virtual channel, who prefer a true digital experience. This role directly impacts the bank's production loan growth goals through effective relationship management and the execution of digital transformation and sales and service initiatives.The Senior Digital Consumer Relationship Manager receives and advises customers on larger, more complex financial loans and transactions.RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYERResponsibilitiesDeliver a best-in-class digital customer experience by consistently executing the bank's sales methodology, first seeking to understand the overall financial needs of our customers, and then offering competitive solutions to meet their needsDrive organizational growth and profitability by generating consumer loans, mortgages, deposits, and other products and services received through an internal or virtual channel and then acting on those leads digitallyEstablish and maintain a customer-centric relationship management process by balancing technology with human touch, championing digital solutions products and technological advancements, leveraging technology to further enhance sales, (i.e., process automation, digital customer interactions, referral sources), and prioritizing opportunities to obtain and grow relationshipsEnsure that all consumer loans meet credit requirements for lending quality, customer eligibility, and compliance through the prequalification and approval phase as determined by the bank's digital lending platform; work closely with credit to analyze the credit strengths and weaknesses of prospects and borrowers to make profitable loan decision recommendations and submit complete and accurate consumer loan packages.Oversee digital consumer loan origination from opportunity and prequalification to loan approval and closing, including managing the online consumer application process, capturing customer information in the database, and advising customers digitally of loan options, terms, collateral, and credit decisionsInvestigate, track, and resolve customer problems and inquiriesGrow and manage an active portfolio of consumer loan relationships by acting on warm leads and working with new and existing customers virtually; manage all credit risk within the assigned portfolio (exceptions, past dues, and problem assets)Partner with retail branches to create a seamless experience by servicing an online consumer loan application at any point in the origination process to support ease of customer and executing any necessary loan documentationAdvocate for the bank and our customers by engaging in various community organizations and development activitiesMaintain a working knowledge of all bank products, services, processes, and systemsMonitor new developments within the lending market, as well as compliance with loan policies and regulations. Recommend modifications to bank lending policies and procedures, as neededPerform other related duties as assignedFor all Senior Digital Consumer Relationship Managers:Independently develop and maintain relationships with proactive business development efforts including identifying leads, opportunities and referralsExpected to meet production and/or referral goalsHigher lending limits for both secured and unsecured lendingQualificationsHigh School diploma or equivalentMinimum of 2 years of customer service in a retail branch or in a digital banking environment experienceMinimum of 1 year of consumer loan experience, loan administrative support, credit underwriting, or credit administration experienceKnowledge of the consumer lending processExtensive knowledge of industry products, policies and procedures, operations, and compliance regulationsIn-depth knowledge of financial industry loan and deposit productsAbility to optimize an inside sales strategy and translate customer needs into sales deliverablesStrong analytical, marketing/sales, consulting and negotiating skillsProficient in Microsoft office suite of products including outlook, word, and excelAdvocate for technology; willing and able to leverage various digital tools and software to track, measure, and achieve performance and sales goalsStrong written and verbal communication; ability to connect with others through various digital delivery channelsExercise mature judgement with a high degree of integrity and professionalismAbility to maintain confidentiality about all informationAbility to work unsupervised at a proficient and productive rateHigh energy, results-oriented, and work well in a team environmentFor all Senior Digital Consumer Relationship Managers:3 years consumer lending, credit underwriting or administration experienceWorking knowledge of applicable compliance regulations and loan documentation requirementsProven sales track record managing complex transactions2 years proven experience working with internal partners and/or through digital channels to establish sales leads and translate customer needs into sales opportunitiesPhysical DemandsThe 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 EnvironmentThe 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.