SouthState Bank, N.A.
Overview
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 (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service. Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank's policies and procedures. Completes industry 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 with background information on the Customer, financial analysis of the Borrower and Guarantors, proposed transaction, risk assessment, proper risk grading, and a thoughtful recommendation. Completes, when needed, additional credit analysis through more in-depth tools outside of traditional spreads and global cash flow (e.g., CRE analysis tool). Guides the loan request through the Credit Approval Process and ensures structure meets client needs and Bank objectives. Ensures large commercial loan relationships comply with State and Federal regulations and Bank policies and procedures. Monitors and services large commercial loan portfolios through quality portfolio management work related to covenant testing, annual servicing reviews, and exception clearing. Properly grades risk of each loan in the assigned portfolio per policy and recommends adjustments as circumstances change or new information becomes available. Assists Relationship Manager in credit presentations to Credit Administration or other leaders and Committees at the Bank. Ensures all required documentation is in file for all loans and treasury management approvals; collaborates with the Relationship Manager and LOA to clear deficiencies noted by Loan Operations or other reviews. Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested. Builds and maintains positive working relationships with internal partners (Loan Operations, Credit Administrators, Credit Leadership, Local Line Leadership and Branch Personnel) and external parties to enhance the Bank's image. Undertakes special projects related to job function as determined by Credit Administration Leadership. Continuously updates skills through professional training and cross-training offered by the Bank. Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans. As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management. Demonstrates a commitment to fair lending practices and remains knowledgeable of all laws and regulations governing lending activities; ensures compliance with Bank policies, procedures and applicable regulations. Builds and maintains positive relationships with attorneys, appraisers, developers and others to enhance the Bank's reputation in the marketplace. Stays abreast of products and services the Bank provides and adheres to corporate policies, procedures, and regulatory requirements including BSA, AML, CIP and OFAC. 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 regularly Effective listening skills with the ability to propose solutions or contribute based on feedback Multi-tasking ability and capacity to function well under pressure Ability to remain composed under pressure and respond to concerns Patience and willingness to help others 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 credit analysis, commercial banking, or business banking with at least 2 years of portfolio management and/or underwriting experience supporting Middle Market; familiarity with loan structuring and loan documentation required. Knowledge: Knowledge in accounting and lending principles, and excellent oral and written communication; in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures. Training Requirements/Classes
South State Bank credit policies, procedures and underwriting standards Annual regulatory and compliance training Additional training may be required, as needed Recommended Additional Training
New Employee Orientation Supervisory Responsibility
none 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, including disabled/veterans.
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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 (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service. Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank's policies and procedures. Completes industry 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 with background information on the Customer, financial analysis of the Borrower and Guarantors, proposed transaction, risk assessment, proper risk grading, and a thoughtful recommendation. Completes, when needed, additional credit analysis through more in-depth tools outside of traditional spreads and global cash flow (e.g., CRE analysis tool). Guides the loan request through the Credit Approval Process and ensures structure meets client needs and Bank objectives. Ensures large commercial loan relationships comply with State and Federal regulations and Bank policies and procedures. Monitors and services large commercial loan portfolios through quality portfolio management work related to covenant testing, annual servicing reviews, and exception clearing. Properly grades risk of each loan in the assigned portfolio per policy and recommends adjustments as circumstances change or new information becomes available. Assists Relationship Manager in credit presentations to Credit Administration or other leaders and Committees at the Bank. Ensures all required documentation is in file for all loans and treasury management approvals; collaborates with the Relationship Manager and LOA to clear deficiencies noted by Loan Operations or other reviews. Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested. Builds and maintains positive working relationships with internal partners (Loan Operations, Credit Administrators, Credit Leadership, Local Line Leadership and Branch Personnel) and external parties to enhance the Bank's image. Undertakes special projects related to job function as determined by Credit Administration Leadership. Continuously updates skills through professional training and cross-training offered by the Bank. Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans. As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management. Demonstrates a commitment to fair lending practices and remains knowledgeable of all laws and regulations governing lending activities; ensures compliance with Bank policies, procedures and applicable regulations. Builds and maintains positive relationships with attorneys, appraisers, developers and others to enhance the Bank's reputation in the marketplace. Stays abreast of products and services the Bank provides and adheres to corporate policies, procedures, and regulatory requirements including BSA, AML, CIP and OFAC. 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 regularly Effective listening skills with the ability to propose solutions or contribute based on feedback Multi-tasking ability and capacity to function well under pressure Ability to remain composed under pressure and respond to concerns Patience and willingness to help others 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 credit analysis, commercial banking, or business banking with at least 2 years of portfolio management and/or underwriting experience supporting Middle Market; familiarity with loan structuring and loan documentation required. Knowledge: Knowledge in accounting and lending principles, and excellent oral and written communication; in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures. Training Requirements/Classes
South State Bank credit policies, procedures and underwriting standards Annual regulatory and compliance training Additional training may be required, as needed Recommended Additional Training
New Employee Orientation Supervisory Responsibility
none 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, including disabled/veterans.
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