Commercial Relationship Manager IV
Trustmark Corporation, Hattiesburg, MS, United States
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. This position will represent the Company in leadership roles to maintain professional relationships, and to increase visibility in the community.
Responsibilities:
Leadership role in the bank’s business development activities
Approves or rejects loans exceeding the credit authority of subordinate relationship managers tup to approved lending limits
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
Maximize business potential in the community and the resources in the Trustmark network to deliver services to the customers as well as maintaining appropriate representation and active involvement of the board, particularly focused on business development and excellent customer service
Represent Trustmark in the community in the utmost integrity such that Trustmark is perceived as the leading bank and provider of services
Coordinate with product/business managers to review goals in each product line and customer segment and review progress toward those goals as well as maintaining a spirit of process improvement by questioning established procedures and forming teams to propose new solutions
continuing to connect Trustmark in the communities that we serve by leading and directing the many civic and service efforts that we support in the local markets
Perform additional duties as assigned.
Qualifications
Bachelor’s degree in business/finance associated major, or relevant job experience
Minimum of ten years managing a commercial loan portfolio with a proven sales track record and business development acumen
Enhanced knowledge of pricing models, profitability forecasting, and credit analysis practice and procedure
Experience with commercial banking risk analysis
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
Enhanced knowledge of 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.
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.
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.
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)
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Responsibilities:
Leadership role in the bank’s business development activities
Approves or rejects loans exceeding the credit authority of subordinate relationship managers tup to approved lending limits
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
Maximize business potential in the community and the resources in the Trustmark network to deliver services to the customers as well as maintaining appropriate representation and active involvement of the board, particularly focused on business development and excellent customer service
Represent Trustmark in the community in the utmost integrity such that Trustmark is perceived as the leading bank and provider of services
Coordinate with product/business managers to review goals in each product line and customer segment and review progress toward those goals as well as maintaining a spirit of process improvement by questioning established procedures and forming teams to propose new solutions
continuing to connect Trustmark in the communities that we serve by leading and directing the many civic and service efforts that we support in the local markets
Perform additional duties as assigned.
Qualifications
Bachelor’s degree in business/finance associated major, or relevant job experience
Minimum of ten years managing a commercial loan portfolio with a proven sales track record and business development acumen
Enhanced knowledge of pricing models, profitability forecasting, and credit analysis practice and procedure
Experience with commercial banking risk analysis
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
Enhanced knowledge of 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.
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.
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.
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)
#J-18808-Ljbffr