Commercial Relationship Manager III

Trustmark; McComb (MS); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Medical, dental, vision benefits

401k with company match

Tuition reimbursement

Job summary

Trustmark is seeking a senior commercial banking professional to develop and manage a portfolio of commercial accounts, maximize profitability, and minimize risk. You will analyze credit, financial statements, and products to deliver banking solutions while expanding client relationships.

You will proactively manage a sizeable loan portfolio, approve or reject loans within authority, and present to the Senior Loan Committee as needed.

Qualifications

• Bachelor’s degree in business/finance or equivalent
• Minimum of five years proven commercial banking/credit experience
• Minimum of eight years managing a commercial loan portfolio with a proven sales track record
• Experience with commercial banking risk analysis
• Developed 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
• Underwriting experience preferred
• Enhanced knowledge of credit analysis practice and procedure
• 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

Responsibilities

• Develop and manage commercial accounts to maximize profitability with minimal risk
• Understand credit, commercial products, and financial statement analysis to offer banking solutions
• Manage an existing portfolio and seek opportunities to generate incremental revenue for the bank and meet customer financial goals
• Engage with customers to enhance trusted advisor relationship and cross-sell other product lines
• Practice commercial loan portfolio management including underwriting, risk analysis, and loan documentation
• Develop and execute market strategies for development, growth, and retention; use calls, visits, and meetings to maintain and expand client relationships
• Prospect for clients independently and via referrals to grow loan production and new business
• Collaborate with Treasury Management and Wealth Management to craft tailored client strategies
• Mentor less experienced relationship managers and participate in leadership activities
• Approve or reject loans up to delegated authority; present to Senior Loan Committee as needed

Skills

Portfolio management

Credit analysis

Sales & business development

Relationship management

Client communication

Risk assessment

Underwriting experience

Education

Bachelor’s degree in business/finance

MBA or related advanced degree

Job description

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.

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.
• 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.
• Leadership role in the bank’s business development activities.
• Approves or rejects loans exceeding the credit authority of subordinate relationship managers to approved lending limits.
• Perform additional duties as assigned.

Qualifications

• Bachelor’s degree in business/finance associated major, or relevant job experience
• Minimum of five years proven and progressive commercial banking/credit experience or equivalent
• Minimum of eight years managing a commercial loan portfolio with a proven sales track record and business development acumen
• 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
• Underwriting experience preferred
• Enhanced knowledge of credit analysis practice and procedure
• 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.

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)