Commercial Portfolio Manager II

Commercial Portfolio Manager I

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!

The Commercial Portfolio Manager I supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial, CRE or Middle Market) providing quality underwriting, sound portfolio management and superior client service.

Essential Functions :

• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going portfolio management activities.
• Completes industry research, as needed, supporting existing and new customers to the bank.
• Compiles commercial loan packages ensuring completeness and accuracy of information provided.
• Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow.
• Guides the loan request through the credit approval process and insures that structure meets the needs of the client and the operating objectives of the bank.
• Assures that large commercial loan relationships are in compliance with state and federal regulations and bank policies and procedures.
• Monitors and services the large commercial loan portfolios of the supported commercial bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing.
• Properly grades risk of each loan in the assigned portfolio.
• Assists relationship manager 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.
• Periodically accompanies relationship manager on calls with existing and / or prospective customers as requested.
• Builds and maintains a positive working relationship with internal business partners.
• 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.
• Demonstrates a commitment to fair lending practices.
• 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.
• Adheres specifically to all corporate policies and procedures, federal and state regulations and laws.
• Has responsibility for following regulatory requirements including those pertaining to the bank secrecy act, anti-money laundering, customer identification program and ofac to assist in the identification, detection and determent of money laundering or other unlawful activities.

Competencies

Qualifications, Education, and Certification Requirements :

Training Requirements / Classes :

Required annual compliance training; new employee orientation

Physical Demands :

Must be able to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk. This position may require bending and reaching.

Work Environment :

Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required to come to meetings as needed.

Equal Opportunity Employer, including disabled / veterans.