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About the Role
The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers, providing quality underwriting, sound portfolio management, and superior client service.
Responsibilities
- Analyzes financial information to evaluate credit worthiness for new and renewal loan requests and portfolio management activities.
- Completes industry research to support existing and new bank customers.
- Compiles commercial loan packages, including credit memos with customer background, financial analysis, risk assessment, and recommendations.
- Performs additional credit analysis using specialized tools like the CRE analysis tool.
- Guides loan requests through the Credit Approval Process, ensuring alignment with client needs and bank objectives.
- Ensures large commercial loan relationships comply with State and Federal regulations and Bank policies.
- Monitors and services large commercial loan portfolios through covenant testing, tracking, annual servicing reviews, and exception clearing.
- Properly grades loan risk within the assigned portfolio and recommends adjustments as needed.
- Assists Relationship Managers in credit presentations to Credit Administration and other leaders.
- Ensures all required documentation is on file for loans and treasury management approvals, working to clear deficiencies.
- Periodically accompanies Relationship Managers on customer calls.
- Builds and maintains positive working relationships with internal business partners.
- Undertakes special projects as assigned by Credit Administration Leadership.
- Continuously updates skills through professional training and cross-training opportunities.
- Works with Relationship Managers, Credit Administrators, and Loan Assistants to minimize past due loans.
- Serves as a trusted advisor to clients and prospects within the context of risk management.
- Demonstrates commitment to fair lending practices and remains knowledgeable of all applicable laws and regulations.
- Builds and maintains positive working relationships with external partners like attorneys and appraisers.
- Stays informed about the Bank's products and services.
- Adheres to all corporate policies, procedures, and regulations.
- Follows regulatory requirements including BSA, AML, CIP, and OFAC to detect and deter illicit activities.
Requirements
- Minimum of 4-6 years of experience in credit analysis, commercial banking, or business banking.
- At least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market.
- Familiarity with loan structuring and loan documentation is required.
- In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.
- 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.
Skills
- Excellent interpersonal skills
- Proficient in Microsoft Excel and Word
- Strong organization skills
- High attention to detail
- Cooperative and willing to assist coworkers and customers
- Effective listening skills
- Multi-tasking skills
- Ability to function well under pressure
- Ability to remain composed under pressure
- Patience and willingness to help others
- Positive attitude
- Accounting and lending principles
- Excellent oral and written communication skills
Location
- 8004 Woodway Dr., Ste. 200 Waco, Texas 76712
Work Type
- Onsite
Experience Level
- 4-6 years experience
- 2 years portfolio management/underwriting experience
Education Level
- Four-year degree in Business Administration, Finance, Accounting or related field
- Graduation from a recognized school of banking is an asset or equivalent experience
About the Company
- SouthState is known for combining personal relationships with forward-thinking solutions.
- The company is committed to helping team members find success while maintaining integrity and values.
- Individual contributions are recognized, potential is cultivated, and team members are inspired.
Equal Opportunity
- Equal Opportunity Employer, including disabled/veterans.