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The purpose of this mid-level job is to combine accounting, credit and financial analysis (involving analysis of profitability, repayment ability, liquidity, solvency, and leverage) and risk assessment of commercial loans and loan commitments utilizing extensive computer-based risk analytic models in order to maximize the profitability, safety and soundness of the bank’s commercial loan portfolio, and to ensure that loans adhere to established loan policy guidelines and procedures. This position supports the credit approval process by providing personal and corporate financial spreads, customer summaries of M&I deposit and loan histories, analysis of income tax returns through TaxAnalysis software and other reports that are incorporated into the bank’s detailed loan presentation memoranda that are submitted by commercial relationship managers. This position makes recommendations regarding loan structuring and pricing decisions. This position further supports the underwriting process by writing Loan Presentation Memoranda comments for commercial relationship managers, meets with senior credit administrators and senior credit officers and makes recommendations on credit decisions that are to be presented to senior/executive management and formalized senior loan committees for review or approval. This is a solution and results-oriented position. This position also is involved in training of new credit analysts and management development associates.
This position may be filled as a Level III - additional qualifications and responsibilities apply.
- Spreading and analyzing corporate customer financial statement information:
- On credit requests in excess of local bank loan authorities of credit requests exceeding community bank approval authorities with total debt relationship over $500,000
- Preparation of debt recaps for loan presentation memoranda
- Spreading personal financial statement information
- Analysis of Tax Returns and development of Global Cash Flows
- Train new credit analysts and management development associates
Development and writing of commercial Loan Presentation Memoranda and make oral and written recommendations to commercial relationship managers and their managers, senior credit officers, the chief commercial credit officer and the chief credit officer
Develops pertinent industry and economic information for lenders and loan committees in the approval process of new, renewal and extensions of loans
Make periodic customer business development calls as required by assigned commercial relationship managers
- Minimum of a Bachelor’s degree in business, preferably finance or accounting
- Accounting knowledge
- Financial statement analysis knowledge
- Knowledge of loan structuring
- Cash Flow Analysis
- Commercial Loan Policies and Procedures
- Strong communication (oral and written) skills
- Must possess strong credit and financial analytical skills
- Must possess very well-developed interpersonal skills
- Must be assertive and decisive in reaching sound credit decisions which serve the best interest of both bank and borrower
- Must possess time management skills and ability to prioritize multi-faceted work assignments
- Computer skills – word processing and spreadsheets
- At least one year credit analysis experience or equivalent work experience in a financial related field
Additional qualifications for Level III:
- Minimum 3 to 5 years proven credit analysis experience or equivalent work experience in a financial related field
- Expert accounting and financial analysis knowledge
- Extensive knowledge of loan structuring
- Expert Cash Flow Analysis
- Detailed understanding of industry and economic sectors
- Fully developed knowledge and understanding of the lending and credit approval process as well as Commercial Loan Policies and Procedures
- General knowledge of Credit Operations department job responsibilities including but not limited to credit disputes and inquiries and account confirmations
- Must possess excellent credit and financial analytical skills and excellent problem solving skills
- Must possess superior time management skills and ability to prioritize multi-faceted work assignments
- Must be highly self-motivated, self-disciplined
- Graduate level education in business (MBA) preferred
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 accommodation for individuals with disabilities in employment.
If you need assistance with any part of the application process, 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