Commercial Portfolio Manager I
SouthState Bank, N.A., Waco, TX, United States
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 The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE), providing quality underwriting, sound portfolio management and superior client service.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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 parameters of 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 of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the customer, financial analysis of the borrower, guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
Complete additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (e.g., CRE analysis tool) when needed.
Guide the loan request through the Credit Approval Process and ensure the structure meets the needs of the client and the operating objectives of the Bank.
Assure that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.
Monitor and service 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 grade the risk of each loan in the assigned portfolio per policy, recommending adjustments to risk grades as circumstances change or new information becomes available.
Assist the Relationship Manager in credit presentation to Credit Administration or other leaders and committees at the Bank.
Ensure that all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
Periodically accompany the Relationship Manager on calls with existing and/or prospective customers as requested.
Build and maintain positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership, and Branch Personnel, etc.).
Undertake special projects related to the job function as determined by Credit Administration Leadership.
Continuously update skills by participating in professional training and seek opportunities to improve skills through cross‑training offered by the Bank.
Work with the 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, as a teammate to the Relationship Manager and Credit Administration.
Demonstrate a commitment to fair lending practices, remain knowledgeable of all laws and regulations governing lending activities of financial institutions, and ensure compliance with applicable Bank policies, and State and Federal regulations.
Build and maintain a positive working relationship 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 is providing.
Adhere specifically to all corporate policies and procedures, Federal and State regulations and laws.
Have responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and deterrence of money laundering or other unlawful activities.
Other Duties
Accept 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 on a regular basis.
Effective listening skills demonstrated by the ability to listen to others talk without interruption, understand them, and then propose solutions or make contributions based on the points made by others.
Possesses multi‑tasking skills and can function well under pressure.
Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
Patience and willingness to help others in solving problems 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, business banking with at least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market. Familiarity with loan structuring and loan documentation is required.
Knowledge:
Knowledge in accounting and lending principles, as well as excellent oral and written communication skills. Must have an 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. Work Location: 8004 Woodway Dr., Ste. 200 Waco, Texas 76712.
Equal Opportunity Employer, including disabled/veterans.
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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 The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE), providing quality underwriting, sound portfolio management and superior client service.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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 parameters of 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 of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the customer, financial analysis of the borrower, guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
Complete additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (e.g., CRE analysis tool) when needed.
Guide the loan request through the Credit Approval Process and ensure the structure meets the needs of the client and the operating objectives of the Bank.
Assure that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.
Monitor and service 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 grade the risk of each loan in the assigned portfolio per policy, recommending adjustments to risk grades as circumstances change or new information becomes available.
Assist the Relationship Manager in credit presentation to Credit Administration or other leaders and committees at the Bank.
Ensure that all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
Periodically accompany the Relationship Manager on calls with existing and/or prospective customers as requested.
Build and maintain positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership, and Branch Personnel, etc.).
Undertake special projects related to the job function as determined by Credit Administration Leadership.
Continuously update skills by participating in professional training and seek opportunities to improve skills through cross‑training offered by the Bank.
Work with the 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, as a teammate to the Relationship Manager and Credit Administration.
Demonstrate a commitment to fair lending practices, remain knowledgeable of all laws and regulations governing lending activities of financial institutions, and ensure compliance with applicable Bank policies, and State and Federal regulations.
Build and maintain a positive working relationship 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 is providing.
Adhere specifically to all corporate policies and procedures, Federal and State regulations and laws.
Have responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and deterrence of money laundering or other unlawful activities.
Other Duties
Accept 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 on a regular basis.
Effective listening skills demonstrated by the ability to listen to others talk without interruption, understand them, and then propose solutions or make contributions based on the points made by others.
Possesses multi‑tasking skills and can function well under pressure.
Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
Patience and willingness to help others in solving problems 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, business banking with at least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market. Familiarity with loan structuring and loan documentation is required.
Knowledge:
Knowledge in accounting and lending principles, as well as excellent oral and written communication skills. Must have an 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. Work Location: 8004 Woodway Dr., Ste. 200 Waco, Texas 76712.
Equal Opportunity Employer, including disabled/veterans.
#J-18808-Ljbffr