Commercial Relationship Manager I/II/III

Trustmark; Memphis (TN); On-site; USD 70,000 - 110,000; Full time

Job summary

Trustmark Bank is seeking a Commercial Banking professional in Memphis to develop and manage commercial accounts, focusing on service, profitability, and prudent risk. The role supports Level I–III responsibilities, including credit analysis, portfolio management, and growth through proactive client engagement.

Responsibilities include underwriting, risk assessment, and collaboration with product partners to tailor relationships.

Qualifications

• Bachelor’s degree in business/finance or equivalent experience.
• Minimum three years of commercial banking/credit experience or equivalent.
• Experience with commercial banking risk analysis and credit approval processes.

Responsibilities

• Understand credit, commercial products, and financial statement analysis to offer banking solutions.
• Manage portfolio to generate incremental revenue while meeting customer financial goals.
• Engage with customers regularly to strengthen trusted advisor relationships and cross-sell other products.
• Perform loan underwriting, risk analysis, portfolio management, and loan documentation tasks.
• Develop business through calls, visits, and client qualification to support new business goals.
• Maintain professional community relations to increase visibility and opportunities.

Skills

Communication skills

Sales principles

Analytical skills

Time management

Relationship building

Education

Bachelor's degree in business/finance

Job description

Overview

This position is responsible to develop and manage commercial accounts that meet established requirements, focus on customer service and maximize profitability with minimal risk for the bank

This position may be filled at Level I, II, or III. Additional responsibilities and qualifications apply.

Responsibilities

• Understanding of credit, commercial products, and financial statement analysis to offer beneficial banking solutions
• Manage an existing portfolio and seek opportunities to generate incremental revenue for the bank and meet customer financial goals
• Engage with customers on a regular basis to enhance the trusted advisor relationship, ensure business needs are being met, provide high level of customer service, and create cross sell opportunities for other product lines
• Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc.
• Practice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goals
• Maintains professional community relations and involvement to increase the bank’s visibility and new business opportunities, and to further personal development
• Compliance with established policies and procedures for commercial banking and follow appropriate controls to prudent behavior which is in compliance with the bank’s risk appetite including loan and credit quality
• Ensure portfolio is prudent and the non-performing loan ratio is within the acceptable risk tolerance limits
• Perform additional duties as assigned

Level II additional responsibilities:

• Make recommendations for credit approval to Senior Loan Committee. Present to loan committee as needed
• Develop and execute market strategies for development, growth, and retention. Execute the strategy with calls, visits, client qualification and meeting follow-up to maintain, enhance and expand client relationships
• Prospect for clients independently by utilizing referral sources, existing clients and executive on market strategies for development, grown and retention
• Work with product partners (Treasury Management., Wealth Management etc.) to analyze, evaluate and develop a tailored relationship strategy for each client or prospect
• Responsible for the management of portfolios for medium to large sized businesses
• Serve as a mentor to less experienced relationship managers

Level III additional responsibilities:

• Leadership role in the bank’s business development activities
• Approves or rejects loans exceeding the credit authority of subordinate relationship managers tup to approved lending limits

Qualifications

• Bachelor’s degree in business/finance associated major, or relevant job experience
• Minimum of three years of proven and progressive commercial banking/credit experience or equivalent
• Experience with commercial banking risk analysis
• Developed an understanding of banking and credit approval process as well as pertinent bank policies and external regulations
• Practical working knowledge of sales principles
• Prior experience with products and services offered by financial services institutions
• Effective oral and written communication skills
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Ability to work accurately with close attention to details
• Proven ability to build and maintain relationships

Level II additional qualifications:

• Minimum of five years proven and progressive commercial banking/credit experience or equivalent.
• Underwriting experience preferred
• Enhanced knowledge of credit analysis practice and procedure

Level III additional qualifications:

• Minimum of eight years managing a commercial loan portfolio with a proven sales track record and business development acumen
• Enhanced knowledge of pricing models, profitability forecasting, and credit analysis practice and procedure
• Fully developed understanding of banking and credit approval process according to bank policies and external regulations
• Proven track record of business development skills especially with established customers
• Previous experience as an underwriter, preferred

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.

Trustmark Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings on this site. Resumes submitted to any Trustmark Bank employee by a third-party agency and/or search firm without a valid, written search agreement signed by Trustmark, will become the sole property of Trustmark Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.