Commercial Relationship Manager I/II/III

Trustmark National Bank; Pasadena (TX); On-site; USD 85,000 - 140,000; Full time

Job summary

Trustmark National Bank in Houston/Greater Houston area seeks a Commercial Relationship Manager I/II/III to manage loan portfolios and develop client relationships. You will perform underwriting, risk analysis, and documentation while driving new business opportunities.

The role requires strong communication, sales, and analytical skills, with progressive responsibilities across Level I–III and adherence to banking policies and regulations.

Qualifications

• Bachelor's degree in business, finance, accounting, related field, or equivalent experience.
• Minimum three years proven and progressive commercial lending/credit experience or equivalent.
• Experience with real estate or commercial lending risk analysis.
• Understanding of lending and credit approval process and bank policies/regulations.
• Sales principles knowledge.
• Credit analysis practices and procedures knowledge.
• Familiarity with financial products and services.

Responsibilities

• Practice commercial loan portfolio management including project analysis, loan underwriting, risk analysis, and loan documentation.
• Perform business development activities through calls to customers and prospects to meet new business goals.
• Provide high level customer service to existing clients, identify cross-sell opportunities, and build relationships.
• Maintain professional community relations to increase bank visibility and opportunities.
• Perform additional duties as assigned.

Skills

Relationship management

Portfolio management

Lending/credit analysis

Sales and business development

Communication skills

Time management

Analytical thinking

Negotiation skills

Decision making

Education

Bachelor's degree in business/finance/related field

Job description

Commercial Relationship Manager I/II/III

Location

US-TX-Pasadena

Job ID

2026-20036

Category

Commercial Banking

Type

Regular Full-Time

Job Grade

14

FLSA Status

Exempt

Working Hours

8am - 5pm

Job Location: Company

Houston Commercial Banking - Southeast - 13075

Overview

The purpose of this job is to use Commercial Lending skills to provide practical application in the areas of portfolio management, preparation of loan packages, property inspections, relationship development and other duties as needed in such a way as to contribute to the overall achievement of departmental goals.

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

THIS POSITION IS OPEN TO THE GREATER HOUSTON AREA.

Responsibilities

• 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. Work with Audit, Loan Review and the OCC as needed
• 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
• Provide high level of customer service to existing clients in order to build relationships, to expand development of business and to identify and create cross sell opportunities for other product lines
• Maintains professional community relations to increase the bank's visibility and new business opportunities, and to further personal development.
• Perform additional duties as assigned.

Level II additional responsibilities

• Maximizes the department's profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts
• Actively participates in business development activities for the purpose of attracting additional profitable business for the bank
• Provides guidance to less experienced relationship managers
• Maintains professional community relations, including leadership roles, to increase the bank's visibility and new business opportunities, and to further personal development
• Cross-sell additional products and services to existing customer base and asks for referrals
• Perform additional duties as assigned.

Level III additional responsibilities

• All responsibilities listed

Qualifications

• Bachelor's degree in business, finance, accounting, related field, or equivalent experience
• Minimum of three years proven and progressive commercial lending/credit experience or equivalent
• Experience with real estate or commercial lending risk analysis
• Developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Practical working knowledge of sales principles
• Detailed knowledge of credit analysis practice and procedure
• Familiarity with products and services offered by financial services institutions
• Effective oral and written communication skills
• Excellent interpersonal skills
• Developed decision making and persuasion skillsProven ability to build relationships
• Time management/organization skills
• Computer skills to include word processing and spreadsheet application
• Customer contact and sales and service skills

Level II additional qualifications

• Bachelor's degree in business, finance, accounting, related field, or equivalent experience
• Minimum 5 years of progressively increasing commercial lending experience
• 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 effective 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
• 10 years lending experience preferred

Level III additional qualifications

• Minimum of 10 years proven and progressive middle market and corporate banking experience.

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.