Commercial Relationship Manager I - Leesburg, FL

About the role

The SouthState Corporation is seeking a dynamic Commercial Lending Officer to join our team in a SouthState metropolitan market. This role involves developing new business through sales efforts, managing a high-level loan and deposit portfolio, analyzing financial information, and selling additional products and services.

Responsibilities

• Actively participates in a business development plan to increase loan and deposit portfolio of commercial clients within a SouthState metro market
• Develops consultative relationships with prospects and clients to deliver appropriate banking solutions
• Manages the flow of loan and deposit requests through appropriate channels to ensure credit quality, responsiveness, structure, and pricing meet client and bank objectives
• Collaborates with Treasury Management Sales Officers, Capital Markets, and Wealth and Retail to provide comprehensive banking solutions
• Underwrites loan requests within Bank policies and procedures, ensuring loan packages are accurate and complete
• Services assigned loan portfolio and ensures all required documentation is in file for loans and deposits
• Clears documentation or compliance deficiencies noted by Loan and Deposit Operations or other reviews
• Partners with Credit to properly risk-grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
• Pricing loans and deposits according to current Bank pricing guidelines
• Documents credit quality, current competitive factors, or overall relationship circumstances that justify departures from approved Bank pricing regulations
• Demonstrates commitment to fair lending practices and ensures compliance with all applicable Bank policies and regulations
• Resolves client problems and assists with general inquiries
• Provides superior service to existing clients
• Buils and maintains positive working relationships with Community Organizations and others to enhance the Bank's image and reputation in the marketplace

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, including previous loan structuring and credit analysis responsibilities.
• Knowledge: Extensive knowledge of Bank products, services, procedures, and practices; must have 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: Well-developed sales, interpersonal, and negotiating skills; excellent written and verbal communication skills; basic accounting and credit skills; detail-oriented; proven analytical skills; ability to evaluate credit worthiness; proficiency in using basic office equipment, calculator, and computer; proficiency in Microsoft Word, Excel, Outlook.

Qualifications

• Physical Demands: Ability to effectively access and interpret information on computer screens, documents, reports. Requires a large amount of time in front of a computer. Can be done sitting or standing with use of the right desk.
• Work Environment: Located in a private office.
• Travel: May require some travel from time to time.