Digital Consumer Relationship Manager

We need to output only HTML fragment with headings

for sections: About the role? Actually the posting includes a description paragraph before responsibilities. We can treat that as "About the role" or maybe no heading? The instruction: use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We need to include sections only when posting has real specific content. We have responsibilities, qualifications, and also maybe "Physical Demands" and "Work Environment" but those are not in the list of allowed headings. We should not create headings not listed. So we should either omit those or incorporate them into existing sections? The instruction says use those headings for sections; we can also have other headings? It says use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It implies we should use those headings when appropriate. It doesn't forbid other headings, but better to stick to those. The posting includes "Physical Demands" and "Work Environment". Those are not in the list; we could either omit them (but we must preserve ALL substantive information). However we could incorporate that info into a

under maybe "Qualifications" or "About the role"? But that would change meaning. The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we need to keep that info. We could create a section with heading

Physical Demands

and

Work Environment

even though not in the example list. The instruction says use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). The "e.g." suggests those are examples, not exclusive. So we can use other headings as needed. We'll include them. We must not include boilerplate like EEO, etc. Remove duplicated lines. Also remove "RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER". Also remove "For All Senior Digital Consumer Relationship Managers:" lines? Those are part of responsibilities and qualifications; we need to keep content but not the heading? We can keep the content under appropriate sections. We need to avoid repeating job title as heading. So no

Digital Consumer Relationship Manager

. We'll start with maybe

About the role

containing the introductory paragraph(s). Then

Responsibilities

with list. Then

Qualifications

with list (including both base and senior). Then

Physical Demands

with list? Actually physical demands is prose; we can put

. Then

Work Environment

with

. Also maybe "Skills" not explicitly listed; we could embed skills within qualifications. But we could also create a Skills section if we want. However qualifications already includes skills. We'll keep qualifications. We must not create Pay/Schedule/Benefits sections because not present. We must output only HTML fragment. Let's extract content. Intro paragraph: "The 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." We can put that in

About the role

with

. Responsibilities: list after "Responsibilities". The block: "Deliver 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 needs Drive 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 digitally Establish 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 relationships Ensure 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 decisions Investigate, track, and resolve customer problems and inquiries Grow 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 documentation Advocate for the bank and our customers by engaging in various community organizations and development activities Maintain a working knowledge of all bank products, services, processes, and systems Monitor new developments within the lending market, as well as compliance with loan policies and regulations. Recommend modifications to bank lending policies and procedures, as needed Perform other related duties as assigned For All Senior Digital Consumer Relationship Managers: Independently develop and maintain relationships with proactive business development efforts including identifying leads, opportunities and referrals Expected to meet production and/or referral goals Higher lending limits for both secured and unsecured lending" We need to turn each line into

. Some lines have multiple sentences; keep as is. Qualifications: block after "Qualifications". "High School diploma or equivalent Minimum of 2 years of customer service in a retail branch or in a digital banking environment experience Minimum of 1 year of consumer loan experience, loan administrative support, credit underwriting, or credit administration experience Knowledge of the consumer lending process Extensive knowledge of industry products, policies and procedures, operations, and compliance regulations In-depth knowledge of financial industry loan and deposit products Ability to optimize an inside sales strategy and translate customer needs into sales deliverables Strong analytical, marketing/sales, consulting and negotiating skills Proficient in Microsoft office suite of products including outlook, word, and excel Advocate for technology; willing and able to leverage various digital tools and software to track, measure, and achieve performance and sales goals Strong written and verbal communication; ability to connect with others through various digital delivery channels Exercise mature judgement with a high degree of integrity and professionalism Ability to maintain confidentiality about all information Ability to work unsupervised at a proficient and productive rate High energy, results-oriented, and work well in a team environment For All Senior Digital Consumer Relationship Managers: 3 years consumer lending, credit underwriting or administration experience Working knowledge of applicable compliance regulations and loan documentation requirements Proven sales track record managing complex transactions 2 years proven experience working with internal partners and/or through digital channels to establish sales leads and translate customer needs into sales opportunities" We'll put each as

. Physical Demands: paragraph after "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 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." We'll put as

under

Physical Demands

. Work Environment: paragraph after "Work Environment". "The 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." We'll put as

under

Work Environment

. We should also remove the later boilerplate sentences after that (starting "The above is intended..." etc). Those are boilerplate; remove. Now construct HTML. We'll output:

About the role

...

Responsibilities

• ...
...

Qualifications

• ...
...

Physical Demands

...

Work Environment

...

Make sure no extra whitespace issues. Let's craft the text precisely. About the role paragraph: combine the three sentences. "The 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." Now responsibilities list items exactly as given, preserving punctuation. I'll copy each line. 1. Deliver 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 needs 2. Drive 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 digitally 3. Establish 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 relationships 4. Ensure 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. 5. 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 decisions 6. Investigate, track, and resolve customer