William Hodgson
Banker
Hattiesburg,MS
Summary
Commercial banking professional with experience supporting commercial and consumer lending through credit analysis, loan structuring, underwriting support, and portfolio administration. Skilled in analyzing borrower financial information, preparing credit packages, assessing repayment capacity, and collaborating with Relationship Managers and Credit Administration to facilitate sound lending decisions. Proven ability to manage loans from initial client discussions through closing while maintaining strong attention to risk, accuracy, and regulatory compliance. MBA with a strong analytical background and a passion for commercial credit and financial analysis.
Overview
2
2
Certifications
4
4
years of professional experience
Work History
Relationship Manager Associate
Trustmark Bank
08.2025 - Current
- Analyze commercial and consumer loan requests by reviewing borrower financial information, repayment sources, collateral, and overall creditworthiness to support sound lending decisions.
- Prepare complete credit packages, including financial documentation, loan structure recommendations, and supporting analysis for submission to Credit Administration.
- Collaborate closely with Relationship Managers and Credit Officers throughout the underwriting process, responding to credit questions, obtaining additional documentation, and facilitating timely loan approvals.
- Structure commercial and consumer loan requests by evaluating customer needs, collateral, cash flow, and bank policy while assisting in developing appropriate credit solutions.
- Manage loans through the full lending process—from initial client discussions and financial information gathering to approval, documentation, closing, and booking.
- Assist in administering an active loan portfolio through ongoing relationship support, loan maintenance, renewals, and periodic financial information collection.
- Conduct business development efforts to identify new lending opportunities while strengthening relationships with existing commercial and consumer clients.
- Managed and expanded a commercial and consumer loan portfolio from approximately $100,000 to more than $1 million within one year while maintaining sound credit quality and lending standards.
Relationship Banker
Trustmark Bank
10.2024 - 08.2025
- Generated business through customer profiling, cross-selling, and initiating new relationships in the local market.
- Built ongoing client relationships through education on deposit accounts, digital banking, and foundational credit products.
- Guided clients on core products (savings, credit cards, mortgages, and introductory investment conversations) and referred to specialists when appropriate.
- Opened 40 new deposit accounts while identifying lending opportunities through relationship-based conversations.
- Consistently exceeded monthly referral goals by connecting customers with mortgage, investment, and commercial banking specialists.
Assistant Manager
PJ's Coffee
05.2022 - 10.2024
- Supervised hourly staff; provided coaching, scheduling, and workflow direction to maintain service standards.
- Drove team engagement and productivity; assisted with hiring, training, and performance feedback.
- Ensured adherence to policies and procedures and delivered an excellent customer experience in a high-traffic environment.
- Supervised and scheduled a team of 15–20 employees while maintaining efficient daily operations in a high-volume retail environment.
- Assisted in hiring and training 15+ new employees, improving onboarding consistency and operational performance.
Education
MBA - Economic Development
University of Southern Mississippi
Hattiesburg, MS12-2025
Bachelor of Science - Finance
University of Southern Mississippi
Hattiesburg, MS05-2024
Associate of Arts - Business Administration
Copiah-Lincoln Community College
Wesson, MS05-2022
Skills
- Commercial Credit Analysis
- Financial Statement Analysis
- Commercial Lending
- Credit Underwriting Support
- Cash Flow Analysis
- Loan Structuring
- Credit Risk Assessment
- Portfolio Management
- Financial Documentation
- Credit Presentations
- Microsoft Excel
- Relationship Management
Certification
Certificate of Personal Finance
Timeline
Relationship Manager Associate
Trustmark Bank
08.2025 - Current
Relationship Banker
Trustmark Bank
10.2024 - 08.2025
Assistant Manager
PJ's Coffee
05.2022 - 10.2024
Associate of Arts - Business Administration
Copiah-Lincoln Community College
MBA - Economic Development
University of Southern Mississippi
Bachelor of Science - Finance
University of Southern Mississippi