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Essential Duties and Responsibilities
Performs initial screening and underwriting of new lending opportunities developed by the commercial lender.
Prepares memorandum and facilitates the initial underwriting of new transactions and/or renewals.
Works directly with other internal departments including commercial credit analysts, appraisal services group and loan administration.
Ensures adherence to credit policy, guidelines and regulatory requirements.
In some markets, perform in-house appraisals and inspections on collateral.
Assists in the lending and sales process by accompanying the lenders on customer and prospect calls when necessary.
Responsible for ongoing portfolio review of past dues, exceptions and maturing loan reports.
Reports past dues to officer or makes contact to collect payment
Works with officer to collect items needed for renewal processing
Makes appropriate recommendations for these accounts
Reports deteriorating credit situations to officer
Handles escalated exceptions
Ensures funding of construction loan disbursements in accordance with bank policy. Works closely with borrower, CCFG, title companies and other third parties to ensure accurate disbursements with ongoing monitoring and record keeping.
Participates in evaluating risk rating and makes revision recommendations. Prepare Discussion Term Sheet
Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
Performs other duties and responsibilities as assigned.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Skills
Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations
Ability to read, analyze and interpret financial report and/or legal documents.
Ability to write routine reports and business correspondence
Ability to respond in writing to customer complaints, regulatory agencies or members of the business community
Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization
Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors
Education and/or Experience
BS/BA Degree in applicable field of study or
1-2 years’ prior applicable experience.
Computer Skills
MS Office programs
Certificates, Licenses, Registrations
None
Other
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.
Skills Training:
Communication, Critical Thinking, Problem Solving,
Time Management, Sales, Presentation Skills
Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.
Skills Required
- BS/BA Degree in applicable field of study
- 5-7 years prior applicable experience including credit analyst, commercial lender, portfolio manager
Simmons Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Simmons Bank and has not been reviewed or approved by Simmons Bank.
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Healthcare Strength — Medical, dental and vision coverage are paired with an HSA that includes company funding. Dedicated care options and access to no‑cost services for covered members strengthen day‑to‑day healthcare support.
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Retirement Support — A 401(k) with employer match is complemented by an employee stock purchase plan and profit‑sharing eligibility. Occasional discretionary company contributions further boost long‑term savings potential.
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Leave & Time Off Breadth — A combined PTO bank and up to ten paid company holidays provide structured time away. Paid leave programs support coverage for key life events.
Simmons Bank Insights
What We Do
We were founded as a community bank. More than 100 years later, we still act like one. For over a century, we’ve worked hard to help make our customers’ dreams come true – dreams like buying a home, starting a business or simply having the ability to manage your money safely and securely, anywhere you happen to be. Simmons Bank has 200 locations and employs 2,800 associates across our six-state footprint
