Community Relationship Manager I

Trustmark Bank; Hattiesburg (MS); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Health insurance

Job summary

Trustmark Bank in Hattiesburg, MS is seeking a seasoned Relationship Manager to identify client needs and match them with bank products and services, building satisfaction and loyalty.

You will expand the customer base through a proactive sales program, manage a business loan portfolio, and collaborate with internal partners to negotiate terms and ensure credit quality.

Qualifications

• Minimum 5 years in sales, banking or business development.
• Experience managing a business loan portfolio with varied terms and collateral.
• Excellent oral and written communication skills.
• Proven sales and business development success.
• Ability to build professional relationships with customers and internal partners.
• Strong negotiation and decision-making skills in the bank's best interest.
• Familiarity with financial products and services.
• Understanding of business lending, credit analysis and credit approvals.
• Proficient with Word/Excel applications.
• Four-year degree in business/finance/accounting with CRM experience preferred.

Responsibilities

• Attracts new business relationships and expands existing ones through the call program.
• Participate in community, professional, and trade organizations.
• Advise customers to understand their financial needs and offer appropriate products.
• Originate and submit credit requests for decisioning with proper documentation.
• Provide high level customer service to build relationships and cross-sell other products.
• Conduct business calls to gain outside loan production and support growth goals.
• Mitigate credit weaknesses through portfolio management, risk analysis, and negotiations.
• Work with Audit, Loan Review and OCC as needed.
• Prioritize multiple responsibilities effectively and follow bank policies.
• Perform additional duties as assigned.

Skills

Sales and business development

Customer relationship management

Negotiation and decision-making

Communication skills

Credit analysis

Portfolio management

Relationship building

Education

Bachelor's degree in business/finance/accounting or related field

Tools

Microsoft Word

Microsoft Excel

Job description

Overview

This position is responsible for identifying customer needs and matching them with the appropriate bank products and services to enhance a current or prospective customer’s satisfaction, loyalty, and financial well-being. This position will develop proactive sales/service efforts and portfolio management skills to grow a portfolio of business and consumer clients while mitigating credit risk.

Responsibilities

• Attracts new business relationships and expands existing business relationships through the call program.
• Participate in community, professional, and trade organizations.
• Advise and counsel directly with customers to understand their financial needs and appropriate products and services to offer them.
• Originate and submit credit requests promptly for decisioning via organized loan packages that present the needed credit documentation and identify the appropriate credit issues.
• Provide high level of customer service to existing clients to build relationships, to expand development of business, and to identify and create cross-selling opportunities for other product lines
• Practice business development skills by performing business calls to customers and prospective customers to gain further experience in outside loan production, negotiations and support achievement of growth goals
• Mitigate credit weaknesses, past dues and exceptions through proper loan portfolio management skills including proper risk analysis and identification of risk rate, early renewal processing, loan document preparation and closing, collateral analysis, past due collection management, etc. Work with Audit, Loan Review and the Office of the Comptroller of Currency as needed.
• Assess and prioritize simultaneous multiple responsibilities effectively.
• All work must be performed within the bank’s guidelines, policies, procedures and standards of performance.
• Perform additional duties as assigned.

Qualifications

• Minimum of 5 years’ experience in either sales, banking or business development
• Experience properly managing a business loan portfolio with varied terms and collateral, including real estate
• Excellent oral and written communication skills
• Demonstrated effectiveness in sales and business development
• Demonstrated ability to develop professional working relationships with customers and internal partners
• Demonstrated effectiveness in negotiation and decision-making skills to serve the best interest of the bank and borrower
• Familiarity with products and services offered by financial services institutions
• Developed understanding of business lending, credit analysis, and credit approval processes as well as pertinent bank policies and external regulations
• Advanced knowledge of Microsoft Word and Excel applications
• Four-year college degree in business, finance, accounting or related field of study with 5 years of customer relationship management experience in banking or similar field preferred

Physical Requirements & Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Disclaimer: Management retains the right to add, delete or modify the responsibilities and qualifications of the position at any time.

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.