Commercial Relationship Manager IV

About the role

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.

Responsibilities

• Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a South State metro market
• Develops consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
• Manages the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meet the needs of the client and the operating objectives of the Bank
• Collaborates effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail
• Underwrites loan requests within the parameters of the Bank’s policies and procedures. Ensures the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
• Services assigned loan portfolio, ensuring all required documentation is in file for all loans and deposits
• Clears documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
• 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
• Prices each loan and deposit product according to current Bank pricing guidelines
• Documents the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
• Demonstrates a commitment to fair lending practices
• Remains knowledgeable of all laws and regulations governing the lending activities of financial institutions
• Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
• Resolves client problems and assists with general inquiries
• Provides superior service to existing clients
• Buils 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

Qualifications

• 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 10+ years’ commercial lending experience; Experience should include previous loan structuring and credit analysis responsibilities
• Certifications/Specific 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.