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
Has responsibility for developing new business through sales efforts in a SouthState metropolitan market. Manages a high level loan and deposit portfolio providing superior client service. Analyzes financial information to evaluate the credit worthiness of loan requests. Compiles loan packages ensuring completeness and accuracy of information provided. Sells and cross-sells additional products and services of the Bank. Assures that all loans are in compliance with State and Federal regulations and Bank policies and procedures. Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships internally and externally.
ESSENTIAL FUNCTIONS
Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a SouthState metro market
Develop consultative relationships with prospects and clients in order to add value by delivering appropriate banking solutions
Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure and pricing meeting the needs of the client and the operating objectives of the Bank
Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth and Retail
Underwrite loan requests within the parameters of the Bank’s policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
Manage and service assigned loan portfolio
Ensure that all required documentation is in file for all loans and deposits
Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
Price each loan and deposit product according to current Bank pricing guidelines
Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
Demonstrate a commitment to fair lending practices
Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
Resolve client problems and assists with general inquiries
Provide superior service to existing clients
Builds and maintains a positive working relationship with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications, Education, and Certification Requirements
Education:
A Bachelor’s degree in business, finance, banking or related field is required. Graduation from a recognized school of banking is an asset.
Experience:
Minimum of 5-10 years commercial lending experience; Experience should include previous loan structuring and credit analysis responsibilities
Knowledge:
Extensive knowledge of all Bank products, services, procedures and practices; Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.
Skills:
Must have well-developed sales, interpersonal and negotiating skills. Excellent written and verbal communication skills are necessary. Must have basic accounting and credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficiency in the use of Microsoft Word Excel, Outlook is necessary.
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. 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.
WORK ENVIRONMENT
This position is located in a private office. The position is located inside an cooled and heated facility with ability to go to a break room or rest room during breaks.
TRAVEL
This position may require some travel from time to time.
#LIOnsite
Equal Opportunity Employer, including disabled/veterans.
