Commercial Relationship Manager I, II or III

Trustmark•Houston, TX

58d

About The Position

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.

Requirements

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
Time management/organization skills
Computer skills to include word processing and spreadsheet application
Customer contact and sales and service skills
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
Minimum of 10 years proven and progressive middle market and corporate banking experience.

Nice To Haves

10 years lending experience preferred

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.
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
All responsibilities listed