Commercial Relationship Manager V

Summary/Objectives

The Commercial Relationship Manager V is responsible for developing new business through sales efforts in a SouthState metropolitan market. They manage a complex loan and deposit portfolio, provide superior client service, analyze financial information, compile loan packages, sell and cross-sell additional products and services, and ensure compliance with state and federal regulations and bank policies.

Essential Functions

• 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 add value by delivering appropriate banking solutions
• Manages the flow of loan and deposit requests through appropriate channels to ensure credit quality, responsiveness, structure, and pricing meeting client and operating objectives
• Collaborates effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail
• Underwrites loan requests within Bank's policies and procedures. Ensures loan packages are accurate and complete when submitted to appropriate Credit partner for approval
• Serves and manages assigned loan portfolio. Ensures all required documentation is in file for all loans and deposits
• Clears documentation or compliance deficiencies noted by Loan and Deposit Operations or other reviews
• Pairs 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 credit quality, current competitive factors, or overall relationship circumstances that justify departures from approved Bank pricing regulations
• Demonstrates commitment to fair lending practices
• 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
• Builds and maintains positive working relationships with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace

Competencies

• Well-developed sales, interpersonal, and negotiating skills
• Excellent written and verbal communication skills
• Basic accounting and credit skills
• Detail-oriented and proven ability to prioritize complex work assignments
• Proven analytical skills and ability to evaluate credit worthiness
• Proficient in using basic office equipment, with emphasis on calculator and computer
• Proficient in using Microsoft Word, Excel, Outlook

Qualifications, Education, And Certification Requirements

• Education: Bachelor’s degree in business, finance, banking, or related field required. Recognition from a recognized school of banking is an asset.
• Experience: Minimum of 12+ years commercial lending or portfolio management experience required. Previous loan structuring and credit analysis responsibilities are preferred.
• Certifications/Specific Knowledge: 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.

Training Requirements/Classes

• Annual compliance training
• New Employee Orientation

Physical Demands

• Must be able to effectively access and interpret information on computer screens, documents, reports. This can be done sitting or standing with use of the right desk.

Work Environment

• Located in a private office
• Travel is required

Equal Opportunity Employer

including disabled/veterans.