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!
Note:
This job description reflects the responsibilities and qualifications for the Commercial Portfolio Manager role.
Summary / Objectives
The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) by providing quality underwriting, sound portfolio management and superior client service.
Responsibilities
Analyze financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and ongoing portfolio management activities through thorough and accurate analyses within the Bank\'s policies and procedures.
Complete industry research, as needed, supporting existing and new customers to the Bank.
Compile commercial loan packages (non BL and BLE) ensuring completeness and accuracy; package includes written credit memos with background information on the customer, financial analysis of the borrower and guarantors, risk assessment, proper risk grading, and thoughtful recommendations.
Perform additional credit analyses using in-depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tool) when needed.
Guide loan requests through the Credit Approval Process ensuring structure meets client needs and bank objectives.
Ensure large commercial loan relationships comply with state and federal regulations and bank policies.
Monitor and service the large commercial loan portfolios of supported Relationship Managers through covenant testing, annual servicing reviews, and exception clearance.
Properly grade risk for loans in the assigned portfolio and recommend adjustments as new information becomes available.
Assist Relationship Manager in credit presentations to Credit Administration or other leadership/Committees.
Ensure all required documentation is on file for loans and treasury management approvals; work with the Relationship Manager and LOA to clear deficiencies noted by Loan Operations or other review teams.
Periodically accompany Relationship Manager on calls with existing or prospective customers as requested.
Build and maintain positive working relationships with internal partners (e.g., Loan Operations, Credit Administrators, Credit Leadership, Local Leadership, Branch Personnel, etc.).
Undertake special projects related to the job function as determined by Credit Administration Leadership.
Continuously update skills through professional training and cross-training opportunities offered by the Bank.
Work with Relationship Manager, Credit Administrators and Loan Assistant to minimize past-due loans.
Serve as a trusted advisor to clients and prospects within the context of risk management.
Demonstrate a commitment to fair lending practices and remain knowledgeable of all laws and regulations governing lending activities; ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
Build and maintain positive working relationships with attorneys, appraisers, developers and others to enhance the Bank\'s image and reputation in the marketplace.
Stay abreast of products and services the Bank provides and adhere to corporate policies and procedures, as well as relevant regulations.
Follow regulatory requirements including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP) and OFAC to deter 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 regularly
Effective listening and problem-solving abilities
Ability to multi-task and function well under pressure
Remain composed under pressure and respond to customer and coworker 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 is required.
Knowledge:
Knowledge of accounting and lending principles, and excellent oral and written communication skills. 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!
Note:
This job description reflects the responsibilities and qualifications for the Commercial Portfolio Manager role.
Summary / Objectives
The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) by providing quality underwriting, sound portfolio management and superior client service.
Responsibilities
Analyze financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and ongoing portfolio management activities through thorough and accurate analyses within the Bank\'s policies and procedures.
Complete industry research, as needed, supporting existing and new customers to the Bank.
Compile commercial loan packages (non BL and BLE) ensuring completeness and accuracy; package includes written credit memos with background information on the customer, financial analysis of the borrower and guarantors, risk assessment, proper risk grading, and thoughtful recommendations.
Perform additional credit analyses using in-depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tool) when needed.
Guide loan requests through the Credit Approval Process ensuring structure meets client needs and bank objectives.
Ensure large commercial loan relationships comply with state and federal regulations and bank policies.
Monitor and service the large commercial loan portfolios of supported Relationship Managers through covenant testing, annual servicing reviews, and exception clearance.
Properly grade risk for loans in the assigned portfolio and recommend adjustments as new information becomes available.
Assist Relationship Manager in credit presentations to Credit Administration or other leadership/Committees.
Ensure all required documentation is on file for loans and treasury management approvals; work with the Relationship Manager and LOA to clear deficiencies noted by Loan Operations or other review teams.
Periodically accompany Relationship Manager on calls with existing or prospective customers as requested.
Build and maintain positive working relationships with internal partners (e.g., Loan Operations, Credit Administrators, Credit Leadership, Local Leadership, Branch Personnel, etc.).
Undertake special projects related to the job function as determined by Credit Administration Leadership.
Continuously update skills through professional training and cross-training opportunities offered by the Bank.
Work with Relationship Manager, Credit Administrators and Loan Assistant to minimize past-due loans.
Serve as a trusted advisor to clients and prospects within the context of risk management.
Demonstrate a commitment to fair lending practices and remain knowledgeable of all laws and regulations governing lending activities; ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
Build and maintain positive working relationships with attorneys, appraisers, developers and others to enhance the Bank\'s image and reputation in the marketplace.
Stay abreast of products and services the Bank provides and adhere to corporate policies and procedures, as well as relevant regulations.
Follow regulatory requirements including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP) and OFAC to deter 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 regularly
Effective listening and problem-solving abilities
Ability to multi-task and function well under pressure
Remain composed under pressure and respond to customer and coworker 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 is required.
Knowledge:
Knowledge of accounting and lending principles, and excellent oral and written communication skills. 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.
#J-18808-Ljbffr