Commercial Portfolio Manager Associate or I/II

Trustmark Bank•Panama City Beach, FL

10d•Onsite

About The Position

This position is responsible for being actively involved in the day-to-day activities of the Commercial Banking Department, while developing/building a personal portfolio and the skills necessary to progress to a Commercial Portfolio Manager. The Level I Overview is responsible to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. This position may be filled as an Associate, Level I, or II. Additional responsibilities and qualifications apply.

Requirements

Minimum of two (2) years banking experience or equivalent in one or a combination of the following areas: Development Program, Relationship Manager, Credit Analysis, Commercial Banking.
Basic knowledge of the financial services industry, commercial lending and financial products and services and sales principles.
Self-starter and ability to manage time properly.
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.
General working knowledge of PC operations to include word processing and spreadsheet applications.
Bachelor’s degree in business/finance associated major, or relevant job experience (Level I Additional Qualifications).
Minimum of three years of proven and progressive commercial lending/credit experience or equivalent (Level I Additional Qualifications).
Experience with commercial lending risk analysis (Level I Additional Qualifications).
Developed an understanding of lending and credit approval process as well as pertinent bank policies and external regulations (Level I Additional Qualifications).
Practical working knowledge of sales principles (Level I Additional Qualifications).
Prior experience with products and services offered by financial services institutions (Level I Additional Qualifications).
Proven ability to build and maintain relationships (Level I Additional Qualifications).
Minimum of five years proven and progressive commercial lending/credit experience or equivalent (Level II Additional Qualifications).
Underwriting experience preferred (Level II Additional Qualifications).

Nice To Haves

Four-year college degree preferred.
Enhanced knowledge of credit analysis practice and procedure (Level II Additional Qualifications).

Responsibilities

Partner with Commercial Banking associates on a day-to-day basis to learn the fundamentals of Commercial Banking, i.e. portfolio management, credit analysis, loan presentation, and loan negotiation with oversight from an experienced Commercial Relationship Manager.
Begin process of obtaining business development (sales) skills through structured calling program to gain experience in outside loan production and negotiations.
Actively participate and create opportunities for lender participation in community organizations to source business development opportunities and demonstrate commitment to the local community.
Perform additional duties as assigned.
Responsible for loan and deposit growth through customer portfolio and other proactive measures to grow market share.
Strong 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.
Maintain professional community relations and involvement to increase the bank’s visibility and new business opportunities, and to further personal development.
Comply with established policies and procedures for commercial lending 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.