Commercial Relationship Manager I/II/III

Trustmark; Pasadena (TX); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

401k with company match

Tuition Reimbursement

Medical, dental, vision

Job summary

Trustmark is seeking a Commercial Relationship Manager I/II/III in the Greater Houston area to manage loan portfolios, prepare packages, perform property inspections and build client relationships while advancing departmental goals. The role evolves with the level and includes underwriting, risk analysis and guidance to less experienced managers.

Responsibilities include sustaining high customer service, cross-selling additional products, and maintaining professional community relations to grow

Qualifications

• Bachelor’s degree in business, finance, accounting or related field, or equivalent experience.
• 3+ years of commercial lending/credit experience; more at higher levels.
• Strong knowledge of lending processes, risk analysis and bank policies.

Responsibilities

• Manage commercial loan portfolio, including underwriting, risk analysis and risk rating.
• Prepare loan packages and ensure proper documentation and closing.
• Develop and maintain client relationships to support cross-sell opportunities.
• Support business development through calls to customers and prospects.
• Provide high level customer service to existing clients and foster professional relationships.

Skills

Lending portfolio management

Customer relationship building

Credit analysis

Sales and cross-selling

Education

Bachelor’s degree in business/finance

Tools

Credit analysis tools

Job description

Commercial Relationship Manager I/II/III

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 skills
• Proven ability to build relationships
• Computer skills to include word processing and spreadsheet application
• Customer contact and sales and service skills
• 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
• 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.

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)