Commercial Real Estate Relationship Manager III

Trustmark Corporation; Atlanta (GA); On-site; USD 130,000 - 190,000; Full time

Job summary

Trustmark Corporation in Atlanta seeks a senior relationship manager to develop and manage commercial loan accounts, maximize profitability, and reduce risk within lending policies. You will oversee portfolio maintenance, pricing decisions, and lead business development efforts to attract and expand client relationships.

The role involves presenting loan commitments to executive management, mentoring junior staff, and driving cross-selling opportunities while ensuring adherence to bank policies

Qualifications

• Bachelor’s degree in business, finance, accounting, or related field.
• Minimum 10 years’ experience managing a commercial loan portfolio with proven sales ability 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 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.

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 a leadership role in the bank’s business development activities and expands relationships through the call program.
• Provides guidance to, and may manage, less experienced relationship managers.
• Maintain professional community relations to increase visibility and new business opportunities.

Skills

Portfolio management

Credit analysis

Sales ability

Negotiation

Communication skills

Interpersonal skills

Education

Bachelor’s degree in business/finance

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!

Equal Opportunities for All

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
• Credit check (required for certain positions)
• Fingerprinting (required for certain positions)