Commercial Relationship Manager I/II/III
Trustmark Corporation, Houston, TX, United States
Commercial Relationship Manager I/II/III
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, III. Additional responsibilities and qualifications apply. THIS POSITION IS OPEN TO THE GREATER HOUSTON AREA. Responsibilities
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.
Perform additional duties as assigned.
Level II additional responsibilities
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
Perform additional duties as assigned.
Level III additional responsibilities
All responsibilities listed
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
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
10 years lending experience preferred
Minimum of 10 years proven and progressive middle market and corporate banking experience.
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!
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
This position may be filled as a Level I, II, III. Additional responsibilities and qualifications apply. THIS POSITION IS OPEN TO THE GREATER HOUSTON AREA. Responsibilities
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.
Perform additional duties as assigned.
Level II additional responsibilities
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
Perform additional duties as assigned.
Level III additional responsibilities
All responsibilities listed
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
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
10 years lending experience preferred
Minimum of 10 years proven and progressive middle market and corporate banking experience.
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!
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