Simmons Bank

Account Manager

• Develop and manage profitable relationships with state and local government, Utility Systems, Public Healthcare, Non-Profits, and Public & Private HigherEd within an assigned territory
• Deepen existing relationships by uncovering opportunities and collaborating with Corporate Trust, Wealth and Treasury Management
• Provide deposit and loan solutions based on client needs and prevailing market conditions
• Drive loan production by managing relationships with Placement Agents, Municipal Advisors, Bond Attorneys and other COIs
• Review financial statements for initial opportunity screening
• Identify and mitigate credit risk across multiple Public Finance subsectors
• Structure and price bond purchases, leases and lines of credit to optimize profitability
• Partner with Portfolio Manager and Risk Partners for loan approval
• Partner with outside bank counsel, PM and CCS team to document and execute successful loan closings
• Maintain and manage accurate deposit and lending pipelines
• Network by attending Industry Association conferences

Government & Institutional Banking Relationship Manager

Manager

• Prepare moderate to high-complexity credit analyses on commercial loans for new, renewal, and extension loans
• Perform initial screening and underwriting of new lending opportunities
• Prepare memoranda and facilitate underwriting of new transactions and renewals
• Prepare cash flow models for credit decisions
• Analyze financial information, creditworthiness, income growth, margins, trends, management quality, market share, industry risk, and collateral appraisals
• Support loan officers and managers through financial statement spreading and analysis
• Submit credit approval documents and write-ups for decision-making
• Monitor assigned portfolios to ensure asset quality and customer service standards
• Review past dues, exceptions, and maturing loan reports
• Monitor compliance with loan agreements and covenants and spread required financial statements
• Report past dues, assist with payment collection, and gather renewal-processing items
• Recommend actions for monitored accounts and report deteriorating credit situations
• Participate in deal discussion meetings with lending personnel, market managers, and credit officers
• Accompany lenders on customer and prospect calls when necessary
• Collaborate with appraisal services, loan administration, third-party attorneys, borrowers, CCFG, title companies, and other parties
• Perform in-house collateral appraisals and inspections in some markets
• Ensure construction loan disbursements comply with bank policy and maintain monitoring and records
• Ensure adherence to credit policies, guidelines, regulatory requirements, laws, and procedures
• Perform other assigned duties and responsibilities

Commercial Portfolio Manager – III

Call Center Representative

• Receive and process incoming customer calls or messages
• Respond to inquiries and determine appropriate responses or directions
• Proactively offer convenient solutions or options
• Complete operational processes supporting customer requests
• Process account balance and transfer requests, stop payment orders, address changes, and other customer authorizations
• Troubleshoot customer inquiries
• Review reports and prepare correspondence
• Participate in special department projects
• Perform activities in compliance with applicable laws, regulations, policies, and procedures
• Complete required compliance training
• Perform other assigned duties

Customer Contact Center Specialist I

• Prepare moderate to high-complexity credit analyses on commercial loans for credit approval
• Screen and underwrite new lending opportunities
• Prepare memoranda and facilitate underwriting of new transactions and renewals
• Prepare cash flow models for credit decisions
• Analyze financial statements and related materials; prepare summaries and present creditworthiness findings
• Analyze income growth, margins, trends, management quality, market share, industry risk, and collateral appraisals
• Support loan officers and managers through financial statement spreading and analysis
• Submit credit approval documents and write-ups for decision-making
• Monitor assigned portfolios for asset quality and customer service standards
• Review past dues, exceptions, maturing loans, loan agreements, and covenants
• Spread required financial statements and report past dues or collect payments as needed
• Recommend actions for monitored accounts and report deteriorating credit situations
• Participate in deal discussion meetings with lending personnel, market managers, and credit officers
• Accompany lenders on customer and prospect calls when necessary
• Work with appraisal services, loan administration, and third-party attorneys
• Perform in-house collateral appraisals and inspections in some markets
• Coordinate construction loan disbursements and maintain monitoring and records
• Ensure adherence to credit policy, guidelines, regulatory requirements, laws, and procedures
• Perform other assigned duties and responsibilities

Commercial Portfolio Manager III

Product Manager

• Identify key functionality adoption gaps compared to industry benchmarks
• Collaborate with business units to increase adoption of digital banking functionality
• Work with Retail banking to identify barriers to adoption and develop ways to make adoption easier
• Identify reasons for low digital adoption and design remediation strategies
• Track Digital Banking services adoption KPIs and report on them
• Develop specialized product knowledge and serve as the product subject matter expert
• Communicate product vision, business objectives, and technology objectives to stakeholders
• Collaborate with designers, business analysts, developers, testers, and business stakeholders to execute the product roadmap and release plan
• Own, prioritize, and maintain the product backlog, including epics, user stories, and acceptance criteria
• Break down epics into detailed, consumable, and testable user stories
• Align the product roadmap to strategic roadmaps and objectives
• Engage stakeholders to document requirements, pain points, hidden needs, and expected outcomes
• Assess defect impact and prioritize fixes with development teams and partners
• Partner with the User Experience Manager and use the Simmons UX Testing Lab for user design and usability testing
• Assist training and customer support teams with training content and communications
• Participate in planning activities and partner with Product Owners to align related digital banking capabilities and platforms

Digital Banking Product Manager

Collection Specialist

• Make initial contact with delinquent customers to set up payment arrangements or settlements
• Manage outbound and inbound calls to resolve delinquent non-real-estate accounts and determine reasons for delinquency
• Process, distribute, and post consumer loan payments
• Complete file maintenance on consumer loans
• Process telephone payments to the corporate office for reconciliation
• Counsel customers regarding financial obligations and offer suggestions and alternatives
• Log accurate account-status notes and collection efforts in the bank’s system of record
• Work outside typical 8–5 hours when required for collection efforts
• Ensure departmental documents and activities comply with applicable laws, regulations, policies, and procedures
• Complete required compliance training
• Perform other assigned duties

Collection Specialist I

Mortgage Loan Originator

• Cultivates mortgage loans and other business through relationship development with realtors, builders, title companies, and others within the community
• Originates mortgage loan applications
• Negotiates loan terms and rates
• Obtains customers’ vital information and provides expert advice on product options
• Provides required disclosures and notices in compliance with mortgage-related regulations
• Secures interest rate lock-ins with investors
• Manages the pipeline to protect the bank from interest rate risk
• Ensures departmental documents and activities comply with applicable laws, regulations, policies, and procedures
• Completes required compliance training
• Performs other assigned duties