Trustmark Bank
Commercial Portfolio Manager I
Trustmark Bank - Mobile, AL
Overview Position is responsible to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk.
Responsibilities
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
Maintains professional community relations and involvement to increase the bank’s visibility and new business opportunities, and to further personal development
Compliance 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
Perform additional duties as assigned.
Qualifications
Bachelor’s degree in business/finance associated major, or relevant job experience
Minimum of three years of proven and progressive commercial lending/credit experience or equivalent
Experience with commercial lending risk analysis
Developed an understanding of lending and credit approval process as well as pertinent bank policies and external regulations
Practical working knowledge of sales principals
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
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.
Seniority level Not Applicable
Employment type Full‑time
Job function Finance and Sales
Industries: Banking
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Overview Position is responsible to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk.
Responsibilities
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
Maintains professional community relations and involvement to increase the bank’s visibility and new business opportunities, and to further personal development
Compliance 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
Perform additional duties as assigned.
Qualifications
Bachelor’s degree in business/finance associated major, or relevant job experience
Minimum of three years of proven and progressive commercial lending/credit experience or equivalent
Experience with commercial lending risk analysis
Developed an understanding of lending and credit approval process as well as pertinent bank policies and external regulations
Practical working knowledge of sales principals
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
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.
Seniority level Not Applicable
Employment type Full‑time
Job function Finance and Sales
Industries: Banking
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