SouthState Bank
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Commercial Portfolio Manager II
role at
SouthState Bank .
The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond, we are known for combining personal relationships with forward‑thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships, and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!
Summary/Objectives The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (specifically focused on commercial real estate loans) providing quality underwriting, sound portfolio management and superior client service.
Essential Functions
Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal loan requests and ongoing portfolio management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures.
Completes commercial real‑estate market data research, as needed, supporting existing and new customers to the Bank.
Compiles commercial loan packages (non‑BL and BLE) ensuring completeness and accuracy of information provided, including a written credit memo, financial analysis, risk grading and recommendation.
Completes additional credit analysis through more in-depth tools beyond traditional spreads and global cash‑flow (e.g., CRE analysis tool).
Guides the loan request through the Credit Approval Process and ensures structure meets the client’s needs and the Bank’s operating objectives.
Assures that large commercial loan relationships comply with State and Federal regulations and Bank policies.
Monitors and services the large commercial loan portfolios of supported Commercial Bankers through quality portfolio management work related to centralized covenant testing, tracking, annual servicing review and exception clearing.
Properly grades risk of each loan in the assigned portfolio per policy, recommending adjustments as circumstances change.
Assists Relationship Managers in credit presentation to Credit Administration or other leaders and committees at the Bank.
Ensures that all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and LOA to clear deficiencies noted by Loan Operations or other review.
Periodically accompanies Relationship Managers on calls with existing and/or prospective customers as requested.
Builds and maintains positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel).
Undertakes special projects related to job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross‑training offered by the Bank.
Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past‑due loans.
Serves as a trusted advisor to clients and prospects within the context of risk management.
Demonstrates a commitment to fair lending practices, remaining knowledgeable of all laws and regulations governing lending activities of financial institutions.
Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace.
Stays abreast of products and services the Bank is providing and adheres specifically to all corporate policies and procedures, federal and state regulations and laws.
Has responsibility for following regulatory requirements including BSA, AML, CIP and OFAC to assist in the identification, detection and deterrence of money laundering or other unlawful activities.
Other Duties Accepts other duties as assigned.
Competencies
Excellent interpersonal skills.
Proficient in Microsoft Excel and Word.
Strong organization skills.
High attention to detail.
Cooperative and willing to assist coworkers and customers on a regular basis.
Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others.
Possesses multi‑tasking skills and can function well under pressure.
Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
Patience and willingness to help others in solving problems while maintaining a positive attitude.
Qualifications and Education Requirements Education:
Four‑year degree in Business Administration, Finance, Accounting or related field; graduation from a recognized school of banking is an asset or equivalent experience.
Experience:
Minimum of 4–6 years of experience in underwriting and portfolio management specifically focused on commercial real‑estate loans. Familiarity with loan structuring and loan documentation is required.
Knowledge:
Knowledge in accounting and lending principles, as well as excellent oral and written communication skills. Must have an in‑depth knowledge of federal and state lending regulations and bank policies related to lending procedures.
Training Requirements/Classes
SouthState Bank credit policies, procedures and underwriting standards.
Annual regulatory and compliance training.
Recommended Additional Training Additional training may be required, as needed.
Physical Demands / Work Environment Must be able to stand and/or sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents and reports.
Travel This position does not require travel.
Equal Opportunity Employer Equal Opportunity Employer, including disabled/veterans.
Referrals increase your chances of interviewing at SouthState Bank by 2x.
Get notified about new Portfolio Manager jobs in
Dallas, TX .
#J-18808-Ljbffr
Commercial Portfolio Manager II
role at
SouthState Bank .
The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond, we are known for combining personal relationships with forward‑thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships, and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!
Summary/Objectives The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (specifically focused on commercial real estate loans) providing quality underwriting, sound portfolio management and superior client service.
Essential Functions
Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal loan requests and ongoing portfolio management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures.
Completes commercial real‑estate market data research, as needed, supporting existing and new customers to the Bank.
Compiles commercial loan packages (non‑BL and BLE) ensuring completeness and accuracy of information provided, including a written credit memo, financial analysis, risk grading and recommendation.
Completes additional credit analysis through more in-depth tools beyond traditional spreads and global cash‑flow (e.g., CRE analysis tool).
Guides the loan request through the Credit Approval Process and ensures structure meets the client’s needs and the Bank’s operating objectives.
Assures that large commercial loan relationships comply with State and Federal regulations and Bank policies.
Monitors and services the large commercial loan portfolios of supported Commercial Bankers through quality portfolio management work related to centralized covenant testing, tracking, annual servicing review and exception clearing.
Properly grades risk of each loan in the assigned portfolio per policy, recommending adjustments as circumstances change.
Assists Relationship Managers in credit presentation to Credit Administration or other leaders and committees at the Bank.
Ensures that all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and LOA to clear deficiencies noted by Loan Operations or other review.
Periodically accompanies Relationship Managers on calls with existing and/or prospective customers as requested.
Builds and maintains positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel).
Undertakes special projects related to job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross‑training offered by the Bank.
Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past‑due loans.
Serves as a trusted advisor to clients and prospects within the context of risk management.
Demonstrates a commitment to fair lending practices, remaining knowledgeable of all laws and regulations governing lending activities of financial institutions.
Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace.
Stays abreast of products and services the Bank is providing and adheres specifically to all corporate policies and procedures, federal and state regulations and laws.
Has responsibility for following regulatory requirements including BSA, AML, CIP and OFAC to assist in the identification, detection and deterrence of money laundering or other unlawful activities.
Other Duties Accepts other duties as assigned.
Competencies
Excellent interpersonal skills.
Proficient in Microsoft Excel and Word.
Strong organization skills.
High attention to detail.
Cooperative and willing to assist coworkers and customers on a regular basis.
Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others.
Possesses multi‑tasking skills and can function well under pressure.
Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
Patience and willingness to help others in solving problems while maintaining a positive attitude.
Qualifications and Education Requirements Education:
Four‑year degree in Business Administration, Finance, Accounting or related field; graduation from a recognized school of banking is an asset or equivalent experience.
Experience:
Minimum of 4–6 years of experience in underwriting and portfolio management specifically focused on commercial real‑estate loans. Familiarity with loan structuring and loan documentation is required.
Knowledge:
Knowledge in accounting and lending principles, as well as excellent oral and written communication skills. Must have an in‑depth knowledge of federal and state lending regulations and bank policies related to lending procedures.
Training Requirements/Classes
SouthState Bank credit policies, procedures and underwriting standards.
Annual regulatory and compliance training.
Recommended Additional Training Additional training may be required, as needed.
Physical Demands / Work Environment Must be able to stand and/or sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents and reports.
Travel This position does not require travel.
Equal Opportunity Employer Equal Opportunity Employer, including disabled/veterans.
Referrals increase your chances of interviewing at SouthState Bank by 2x.
Get notified about new Portfolio Manager jobs in
Dallas, TX .
#J-18808-Ljbffr