Commercial Associate Richmond, VA

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

Join our Management Associate Program is designed for graduates with a 3.4 GPA or higher and prior internship experience. This program offers a structured start to your banking career, fostering group dynamics and consistency. After training, you'll return to your local market to advance your career.

As a Management Associate, you'll develop expertise in underwriting, loan processing, portfolio management, and relationship management. This hourly role equips you to acquire new Business Banking clients and enhance existing relationships. With strong performance and available opportunities, you may progress to the Commercial Portfolio Analyst role and then into other roles over time.

Key areas of focus include commercial term loans, lines of credit, cash management, treasury services, owner-occupied and investment real estate loans, and SBA-guaranteed loans. You'll collaborate with commercial banking staff and sales partners to build your knowledge and sales capabilities, driving business banking opportunities. Additionally, you'll have opportunities to meet various line of business leaders and work on projects to broaden your exposure and impact.

The role demands excellent interpersonal skills and the ability to thrive in a fast-paced, team-oriented environment.

ESSENTIAL FUNCTIONS

Credit and Underwriting :

• Learn and understand how financial spreads work. Practical application to learn different tiers.
• Learn how to assist in evaluating credit applications by analyzing financial statements, credit reports, and other relevant data to assess risk and creditworthiness.
• Prepare preliminary underwriting documents and structure loan proposals.
• Understand how to assist and monitor and manage assigned client portfolios, including tracking loan performance, identifying potential risks, and recommending solutions to maintain portfolio health.
• Conduct periodic reviews of client accounts to ensure alignment with financial goals and bank standards.

Relationship Management :

Project Collaboration :

Learning and Development :

Sales Support :

Qualifications :

This role provides a comprehensive foundation for a successful career in commercial banking, with hands-on experience, mentorship, and exposure to leadership.

TRAINING REQUIREMENTS / CLASSES

Required annual compliance training, New Employee Orientation

WORK ENVIRONMENT

This position is onsite in an office environment 5 days a week : 40hours a week.

Equal Opportunity Employer, including disabled / veterans.