What are the responsibilities and job description for the Commercial Relationship Manager I, II, III or IV position at Trustmark?
Overview :
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 may be filled as a Level I, II, III or IV. Additional responsibilities and qualifications apply.
Responsibilities :
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 banks 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 banks risk appetite including loan and credit quality
Ensure portfolio is prudent and the non-performing loan ratio is within the acceptable risk tolerance limits
Perform additional duties as assigned
Level II additional responsibilities :
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
Level III additional responsibilities :
Leadership role in the banks business development activities
Approves or rejects loans exceeding the credit authority of subordinate relationship managers tup to approved lending limits
Level IV additional responsibilities :
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
Qualifications :
Bachelors degree in business / finance associated major, or relevant job experience
Minimum of three years of proven and progressive commercial banking / credit experience or equivalent
Experience with commercial banking risk analysis
Developed an understanding of banking and credit approval process as well as pertinent bank policies and external regulations
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
Level II additional qualifications :
Minimum of five years proven and progressive commercial banking / credit experience or equivalent.
Underwriting experience preferred
Enhanced knowledge of credit analysis practice and procedure
Level III additional qualifications :
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
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
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