The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies. This position may be filled as a level II or III based on experience and qualifications met.
- Recommendations for credit approval to Senior Loan Committee
- Cross-selling referrals
- Business development strategies, including prospect list development
- 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
- 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
- Determination of data required for loan packages
- 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.
Community Relationship Manager II
- 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
- Experience with real estate or commercial lending risk analysis
- Proven ability to build relationships
- Time management/organization skills
- Computer skills to include word processing and spreadsheet application
- Customer contact and sales and service skills
Community Relationship Manager III
Additional Responsibilities:
- Recommendations for credit approval to Senior Loan Committee
- 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.
- Provides guidance to, and may manage, less experienced relationship managers
- Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits.
Additional Qualifications:
Required:
- Bachelor’s degree in business, finance, accounting, related field, or equivalent experience
- Minimum 10 years’ experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
- Must possess strong, well developed 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
- Results-oriented, flexible, and demonstrated ability to prioritize work assignments.
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!
Equal Opportunities for All
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 accomodation for individuals with disabilities in employment.
If you need accomodation for any part of the application process because of a medical condition or disability, please send an email to careers@trustmark.com or call 866.213.1418.
Our Hiring Process
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
- Credit check (required for certain positions)
- Fingerprinting (required for certain positions)
- Drug screen
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Member FDIC
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Equal Housing Lender