Commercial Banking Relationship Manager I

Trustmark National Bank - Athens, AL

Full-time - Entry Level

Athens, AL

Credit Intermediation and Related Activities

About the position

The Commercial Banking Relationship Manager I is responsible for developing and managing commercial accounts, focusing on customer service and maximizing profitability while minimizing risk for the bank. This role involves engaging with customers, managing a portfolio, and ensuring compliance with banking policies. The position may be filled at various levels (I, II, III, or IV), each with additional responsibilities and qualifications.

Responsibilities

• Understand 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 regularly to enhance the trusted advisor relationship and ensure business needs are met.
• Practice commercial loan portfolio management skills including project analysis, loan underwriting, risk analysis, and loan documentation.
• Perform business development through calls to customers and prospective clients to support new business goals.
• Maintain professional community relations to increase the bank's visibility and new business opportunities.
• Ensure compliance with established policies and procedures for commercial banking and manage risk appropriately.
• Perform additional duties as assigned.

Requirements

• Bachelor's degree in business/finance or relevant job experience.
• Minimum of three years of proven and progressive commercial banking/credit experience or equivalent.
• Experience with commercial banking risk analysis.
• Understanding of banking and credit approval processes and relevant regulations.
• Practical working knowledge of sales principles.
• Effective oral and written communication skills.
• Excellent analytical, time management, organizational, and problem-solving skills.
• Ability to work accurately with close attention to detail.
• Proven ability to build and maintain relationships.

Nice-to-haves

• Underwriting experience preferred for Level II qualifications.
• Enhanced knowledge of credit analysis practice and procedure for Level II qualifications.
• Minimum of five years of commercial banking/credit experience for Level II qualifications.
• Minimum of ten years managing a commercial loan portfolio for Level III qualifications.
• Enhanced knowledge of pricing models and profitability forecasting for Level III qualifications.
• Previous experience as an underwriter for Level IV qualifications.

Benefits

• Health insurance
• 401k plan
• Paid holidays
• Professional development opportunities
• Flexible scheduling