Commercial Portfolio Manager
SouthState Bank, Mckinney, TX, United States
Summary/Objectives
The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial, including CRE and C&I) by providing quality underwriting, sound portfolio management, and superior client service.
Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Analyzes financial information to evaluate the creditworthiness 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.
Completes industry research, as needed, supporting existing and new customers to the bank.
Compiles commercial loan packages (non‑BL and BLE), ensuring completeness and accuracy of information. The package includes a written credit memo with sufficient background, financial analysis of borrower, guarantors, and the proposed transaction, critical analysis of potential risk to the bank, proper risk grading and discussion, and a thoughtful recommendation.
Completes additional credit analysis through in‑depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tool).
Guides the loan request through the credit approval process and ensures the structure meets client needs and the operating objectives of the bank.
Assures that large commercial loan relationships comply with state and federal regulations and bank policies and procedures.
Monitors and services large commercial loan portfolios via covenant testing, the annual servicing review process, and exception clearing.
Properly grades risk of each loan per policy and recommends adjustments as circumstances change or new information becomes available.
Assists Relationship Manager in credit presentations to Credit Officer or other leaders and committees at the bank.
Ensures all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and LA to clear documentation or compliance deficiencies noted by Loan Operations or other reviews.
Periodically accompanies the Relationship Manager on calls with existing and/or prospective customers as requested.
Builds and maintains positive working relationships with internal business partners (Loan Operations, Credit Officers, LA, Credit Leadership, Local Line Leadership, and branch personnel).
Undertakes special projects related to the job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve through cross‑training offered by the bank.
Works with Relationship Manager, Credit Administrators, and Loan Assistant to minimize past‑due loans.
Serves as a trusted advisor to clients and prospects within the context of risk management.
Demonstrates a commitment to fair lending practices, remains knowledgeable of all laws and regulations governing lending activities, and ensures compliance with bank policies and applicable state and federal regulations.
Builds and maintains a positive working relationship with attorneys, appraisers, developers, and others to enhance the bank’s image and reputation.
Stays abreast of products and services the bank is providing.
Adheres 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 (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and deterrent of money laundering or other unlawful activities.
Other Duties
Accepts 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 regularly.
Effective listening skills demonstrated by the ability to listen to others without interruption, understand them, and propose solutions or contributions based on the points made.
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 6‑10 years in credit analysis, commercial banking, or business banking with at least 4 years of specific portfolio management and/or underwriting experience. Familiarity with loan structuring and documentation is required.
Knowledge: Knowledge of accounting and lending principles, excellent oral and written communication skills, and 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
Continuously update skills by participating in professional training and seeking opportunities through cross‑training offered by the bank.
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: 7777 Henneman Way McKinney, Texas 75070
Equal Opportunity Employer, including disabled/veterans.
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Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Analyzes financial information to evaluate the creditworthiness 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.
Completes industry research, as needed, supporting existing and new customers to the bank.
Compiles commercial loan packages (non‑BL and BLE), ensuring completeness and accuracy of information. The package includes a written credit memo with sufficient background, financial analysis of borrower, guarantors, and the proposed transaction, critical analysis of potential risk to the bank, proper risk grading and discussion, and a thoughtful recommendation.
Completes additional credit analysis through in‑depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tool).
Guides the loan request through the credit approval process and ensures the structure meets client needs and the operating objectives of the bank.
Assures that large commercial loan relationships comply with state and federal regulations and bank policies and procedures.
Monitors and services large commercial loan portfolios via covenant testing, the annual servicing review process, and exception clearing.
Properly grades risk of each loan per policy and recommends adjustments as circumstances change or new information becomes available.
Assists Relationship Manager in credit presentations to Credit Officer or other leaders and committees at the bank.
Ensures all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and LA to clear documentation or compliance deficiencies noted by Loan Operations or other reviews.
Periodically accompanies the Relationship Manager on calls with existing and/or prospective customers as requested.
Builds and maintains positive working relationships with internal business partners (Loan Operations, Credit Officers, LA, Credit Leadership, Local Line Leadership, and branch personnel).
Undertakes special projects related to the job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve through cross‑training offered by the bank.
Works with Relationship Manager, Credit Administrators, and Loan Assistant to minimize past‑due loans.
Serves as a trusted advisor to clients and prospects within the context of risk management.
Demonstrates a commitment to fair lending practices, remains knowledgeable of all laws and regulations governing lending activities, and ensures compliance with bank policies and applicable state and federal regulations.
Builds and maintains a positive working relationship with attorneys, appraisers, developers, and others to enhance the bank’s image and reputation.
Stays abreast of products and services the bank is providing.
Adheres 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 (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and deterrent of money laundering or other unlawful activities.
Other Duties
Accepts 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 regularly.
Effective listening skills demonstrated by the ability to listen to others without interruption, understand them, and propose solutions or contributions based on the points made.
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 6‑10 years in credit analysis, commercial banking, or business banking with at least 4 years of specific portfolio management and/or underwriting experience. Familiarity with loan structuring and documentation is required.
Knowledge: Knowledge of accounting and lending principles, excellent oral and written communication skills, and 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
Continuously update skills by participating in professional training and seeking opportunities through cross‑training offered by the bank.
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: 7777 Henneman Way McKinney, Texas 75070
Equal Opportunity Employer, including disabled/veterans.
#J-18808-Ljbffr