What are the responsibilities and job description for the Senior Credit Officer position at Trustmark?
Senior Credit Officer
Location
US-MS, AL, Houston, TX; Memphis, TN; Panhandle FL; Atlanta, GA
Job ID
2024-18039
Category
Credit
Type
Regular Full-Time
Job Grade
FLSA Status
Exempt
Working Hours
8am - 5pm
Job Location : Company
Senior Credit - 10165
Overview
As a part of the credit delivery team, participate in the origination, management, and credit approval process for the commercial loan portfolio, in accordance with Trustmark's lending philosophy, loan policy and procedures, and credit risk appetite, while meeting the Region's or Line of Business (LOB) loan growth expectations and loan quality standards.
Responsibilities
Using a team approach, be actively engaged in the timely selection, review, vetting, structuring and decisioning of all commercial credit opportunities within the assigned Region(s) or Lines of Business, both within and above individual loan authority
- Select and elevate to the appropriate commercial vetting session, larger credit opportunities that fit Trustmark's credit policy, lending philosophy and credit risk appetite
- Where appropriate, engage the Regional Senior Credit Officer in larger or more difficult credits that need either a second opinion or RSCO support in moving forward or declining
- Where needed, give guidance to the structuring & underwriting of commercial loans (which are market responsibilities), and review the underwriting for basic completeness and accuracy
- If applicable, cross-train, develop and lead a team of associates (including Credit Officers) in the commercial credit delivery effort to promote maximum productivity, engagement, succession planning and overall contribution to the strategic organizational goals
- Author SCOs "Key Issues and Mitigants" in LPMs headed to Senior Loan Committees
- Timely identification of problem credits and risk rating adjustments (both down and up) within the assigned portfolios. Participation in the ongoing process to manage past-dues, matured loans, documentation exceptions, and quarter-end portfolio-related activities
- Evaluate the bank's position and exposure on problem loan relationships and either approve action plans within designated loan authority, or co-author detailed pro-active action plans on problem credits
- At the direction of the Chief Credit Officer, assume direct management of certain large, complicated, or problematic problem loan relationships
- Responsible for monthly monitoring of loans more than $100M and over 30 days past due and all non-accrual loans over $100M
- Active participation in CQR committees, and voting member of Commercial Loan committees if required by the Chief Credit Officer
- Customer meetings and / or calls as needed to accurately evaluate related credit
- Perform additional duties / special projects as may be requested or assigned.
Qualifications
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.
Salary : $100
