Residential Real Estate Relationship Manager I/ II/ III

Trustmark; Houston (TX); Hybrid; USD 85,000 - 120,000; Full time

Benefits offered by this job

401k with company match

Comprehensive benefits

Job summary

Trustmark in Houston is seeking a Commercial Lending professional to manage portfolios, prepare loan packages, inspect properties, and build client relationships. The role supports achieving department goals through underwriting, risk analysis, and cross-selling across product lines.

Level II/III responsibilities expand credit approvals, pricing, and leadership in business development, with a focus on growing profitable relationships and guiding junior staff.

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.
• Understanding of lending and credit approval processes and bank policies.
• Practical working knowledge of sales principles.
• Detailed knowledge of credit analysis practices and procedures.
• Familiarity with products and services offered by financial institutions.
• Effective oral and written communication skills.
• Excellent interpersonal skills; strong decision making and persuasion.
• Proven ability to build relationships; strong client focus.
• Computer skills including word processing and spreadsheets.
• Customer contact, sales and service skills.

Responsibilities

• Determination of data required for loan packages.
• Portfolio management decisions within credit authority.
• Loan pricing decisions within authority.
• Identify qualified prospects and potential expanded services.
• Practice portfolio management skills including underwriting, risk analysis, and closing.
• Engage in business development calls to gain additional profitable business.
• Provide high level of customer service to existing clients to grow relationships.
• Maintain professional community relations to increase visibility and opportunities.

Skills

Communication skills

Interpersonal skills

Analytical skills

Negotiation

Problem-solving

Customer service

Relationship building

Sales principles

Credit analysis

Decision making

Education

Bachelor's degree in business, finance, accounting, related field, or equivalent experience

Tools

Microsoft Word

Microsoft Excel

Job description

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, or III. Additional qualifications and responsibilities apply.

Responsibilities:

• Determination of data required for loan packages
• Portfolio management decisions within credit authority
• Loan pricing decisions within authority
• Determine which customers are potential candidates for expanded services and identify qualified prospects
• 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.

Level II Additional Responsibilities:

• Recommendations for credit approval to Senior Loan Committee
• Recommend promotional sponsorships to senior management
• 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.
• Cross-sell additional products and services to existing customer base and asks for referrals

Level III Additional Responsibilities:

• Portfolio management and pricing decisions within credit authority
• Has a leadership role in the bank's business development activities. Attracts new business relationships and expands existing business relationships through the call program.
• Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits

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

Level II Additional Qualifications:

• 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
• 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

Level III Additional Qualifications:

• Minimum 10 years' experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
• Results-oriented, flexible, and demonstrated ability to prioritize work assignments.

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)