Commercial Relationship Manager II
About the role
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, and sells and cross-sells additional products and services of the Bank. Ensures all loans comply with State and Federal regulations and Bank policies and procedures. Success is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, and the ability to build successful relationships internally and externally.
Responsibilities
- Actively participate in a business development plan to increase the loan and deposit portfolio of commercial clients within a SouthState metro market.
- Develop consultative relationships with prospects and clients to deliver appropriate banking solutions.
- Manage the flow of loan and deposit requests through appropriate channels to ensure credit quality, responsiveness, structure, and pricing meet client needs and Bank objectives.
- Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail teams.
- Underwrite loan requests within the parameters of the Bank’s policies and procedures, ensuring loan packages are accurate and complete when submitted for approval.
- Manage and service assigned loan portfolio.
- Ensure all required documentation is in file for loans and deposits.
- Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other reviews.
- Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change.
- Price each loan and deposit product according to current Bank pricing guidelines.
- Document credit quality, competitive factors, or relationship circumstances justifying pricing departures from Bank regulations.
- Demonstrate a commitment to fair lending practices.
- Remain knowledgeable of all laws and regulations governing lending activities.
- Ensure compliance with all applicable Bank policies, State, and Federal regulations.
- Resolve client problems and assist with general inquiries.
- Provide superior service to existing clients.
- Build and maintain positive working relationships with centers of influence (COIs) and others in the community to enhance the Bank’s image and reputation.
Requirements
- Bachelor’s degree in business, finance, banking, or a related field is required. Graduation from a recognized school of banking is an asset.
- Minimum of 5-10 years of commercial lending experience, including loan structuring and credit analysis responsibilities.
- Extensive knowledge of all Bank products, services, procedures, and practices.
- 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 with the ability to prioritize complex work assignments.
- Proven analytical skills and the ability to evaluate credit worthiness.
- Proficient in the use of basic office equipment, with an emphasis on calculators and computers.
- Proficiency in Microsoft Word, Excel, and Outlook.
Training Requirements
- Required annual compliance training.
- New Employee Orientation.
Physical Demands
Must be able to effectively access and interpret information on computer screens, documents, and reports. This position requires a large amount of time in front of a computer, which can be done sitting or standing with the use of an adjustable desk.
Work Environment
This position is located in a private office within a climate-controlled facility. Access to break rooms and restrooms is available during breaks. Some travel may be required from time to time.
Work Location: 1815 State Road 60 E, Valrico, Florida 33594