Credit Officer II

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. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

Responsibilities

• Read, analyze and synthesize large amounts of information (e.g., spreads, credit memorandums, financial statements, audits, loan documents, leases, appraisal and environmental reports, etc.)
• Perform relevant underwriting calculations and financial statement ratios
• Determine appropriate loan amounts and credit limits
• Coordinate approvals with Relationship Managers
• Supervise underwriters to verify correct completion of duties
• Approving credits within nCino and maintaining accurate credit files
• Follow strict confidentiality procedures
• Ensure risk ratings are appropriately assigned during the new loan/renewal approval process
• Perform duties within established service level agreements (i.e., SLAs)
• Coach, mentor and develop staff (i.e., Portfolio Managers)
• Drive strict compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines
• Assist other employees by liaising with them through healthy and positive interactions
• Participate in marketing endeavors/efforts
• Continuously update skills through Bank and third-party training

Qualifications, Education, And Certification Requirements

• Requires Bachelor’s Degree in accounting, economics, finance or a related field; Graduation from a recognized school of banking and/or business-related graduate degrees are a plus.
• Prior commercial lending, underwriting, and credit approval is highly beneficial. Minimum of seven years of experience in commercial banking, business banking and/or portfolio management.
• Knowledge of accounting, finance, and lending principles. In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.

Training Requirements/Classes

• SouthState Bank credit policies, procedures and underwriting standards
• nCino training
• Annual regulatory and compliance training
• Additional training required as necessary