The purpose of this job is to serve in a senior position for approving and declining small business loan applications submitted to the Business Loan Center by business bankers and designated retail lenders.
Responsibilities:
- Credit decisions for aggregate credits up to Small Business definition maximum.
- Credit policy waivers and exceptions.
- Decision over limit requests for junior underwriters.
- Decision and document small business loan requests, including pricing, for approval, denial, or conditional approval.
- Review small business loan applications for credit score, quality of personal credit history, proper debt service coverage/cash flow, collateral, financial ratios, etc.
- Perform analysis for credit decisions (cash flow or debt coverage ratio, collateral loan to value, appraisals, title searches, etc.).
- Review loan packages for compliance with TMK Loan Policy and Small Business Loan Underwriting Guidelines (desirability of credit, purpose, terms, collateral, financial statements, etc.).
- Review loan requests for HMDA applicability and compliance and submit requests as needed to HMDA 2nd Review Committee.
- Review loan decisions of junior underwriters for over limit requests.
Qualifications:
- Extensive knowledge of small business and commercial lending process.
- Advanced knowledge of regulatory compliance procedures regarding small business lending.
- Extensive knowledge of credit analysis techniques.
- A broad understanding of small business and the inherent risks and opportunities associated with varying industry types.
- Strong interpersonal skills.
- Basic leadership and management skills.
Working with Us
Teamwork and the individual contributions of our associates are recognized as the drivers of our success. At Trustmark, we are committed to preserving and advancing a diverse and inclusive workplace, where each associate, customer and shareholder is respected, valued and encouraged to share in our commitment. We make significant investments in our associates so that they may enhance their personal and professional skills, because we want each associate to grow, flourish and fulfill their career aspirations. Come onboard and join our team!
Equal Opportunities for All
Trustmark exemplifies the strength and possibilities that come with a diverse and inclusive team. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, marital status, genetic information, pregnancy, national origin, protected veteran, disability status, or any other characteristic protected under applicable law.
Upon accepting a position with Trustmark, the following pre-employment screenings must be completed:
- Verification of employment, education and other data provided by you on your employment application.
- Verification of eligibility to work in the US.
- Criminal background check.
- Credit check (required for certain positions).
- Fingerprinting (required for certain positions).
#J-18808-Ljbffr
