Commercial Real Estate Relationship Manager III

Trustmark; Atlanta (GA); On-site; USD 140,000 - 200,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

401k with company match

Tuition reimbursement

Job summary

Trustmark seeks an experienced senior commercial loan manager to develop and oversee a high-value loan portfolio, ensuring profitability and adherence to lending standards. The role involves leadership in business development, pricing decisions, and cross-selling, with responsibility for major portfolio management within approved limits.

Responsibilities include presenting loan commitments to executives, guiding junior staff, and maintaining relations to expand new business opportunities.

Qualifications

• Bachelor’s degree in business, finance, accounting or related field with equivalent experience.
• At least 10 years’ experience managing a commercial loan portfolio with sales/business development record.
• Strong knowledge of pricing models and profitability of lending units.
• Deep understanding of lending, credit approval processes, bank policies and regulations.
• Solid knowledge of products and services in financial institutions.

Responsibilities

• Portfolio management and pricing decisions within credit authority.
• Provide recommendations for credit approval to Senior Loan Committee.
• Cross-selling referrals and business development activities.
• Recommend promotional sponsorships to senior management.
• Maximize department profitability with high-quality loan portfolio; manage large/complex portfolio.
• Lead bank's business development, cultivate new relationships via call program.
• Guide and possibly manage less experienced relationship managers.
• Maintain professional community relations to raise visibility and opportunities.
• Approve or reject loans exceeding subordinate credit authority up to limits.

Skills

Portfolio management

Sales development

Credit analysis

Pricing models

Credit approval

Interpersonal skills

Negotiation

Communication

Education

Bachelor's degree in business/finance/accounting or related field

Job description

The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies.

Responsibilities:

• Portfolio management and pricing decisions within credit authority
• Recommendations for credit approval to Senior Loan Committee
• Cross-selling referrals
• Recommend promotional sponsorships to senior management
• Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority for the largest and most complex portfolio within established limit
• Has a leadership role in the bank’s business development activities. Attracts new business relationships and expands existing business relationships through the call program
• Provides guidance to, and may manage, less experienced relationship managers
• Maintain professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal development
• Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits.

Qualifications

• Bachelor’s degree in business, finance, accounting, related field, or equivalent experience
• Minimum 10 years’ experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
• Knowledge of pricing models as it relates to profitability of lending unit
• Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Knowledge of sales principles
• Detailed knowledge of credit analysis practice and procedure
• In-depth knowledge of products and services offered by financial services institutions
• Strong analysis, judgment, and communication (oral and written) skills
• Should possess excellent negotiation and problem-solving skills
• Ability to present loan commitments to executive management of customers should be attained prior to this level
• Must possess a high level of analytical skills
• Must possess strong, well developed interpersonal skills
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
• Motivation and initiative are essential to this position
• Results-oriented, flexible, and demonstrated ability to prioritize work assignments

Physical Requirements/Working Conditions:

Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note:

This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

Working with Us

Teamwork and the individual contributions of our associates are recognized as the drivers of our success. At Trustmark, we are committed to preserving and advancing a diverse and inclusive workplace, where each associate, customer and shareholder is respected, valued and encouraged to share in our commitment. We make significant investments in our associates so that they may enhance their personal and professional skills, because we want each associate to grow, flourish and fulfill their career aspirations. Come onboard and join our team!

What You Gain at Trustmark (Compensation & Benefits)

• Comprehensive benefits including medical, dental, vision, long-term disability, and life insurance
• 401k (with up to 6% company match)
• Tuition Reimbursement (must meet eligibility requirements)

Trustmark exemplifies the strength and possibilities that come with a diverse and inclusive team. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, marital status, genetic information, pregnancy, national origin, protected veteran, disability status, or any other characteristic protected under applicable law. Trustmark is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment.

Upon accepting a position with Trustmark, the following pre-employment screenings must be completed:

• Verification of employment, education and other data provided by you on your employment application
• Verification of eligibility to work in the US
• Criminal background check
• Fingerprinting (required for certain positions)