Commercial Portfolio Manager II

Overview

The South State 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, we have become a trusted financial partner across the South and beyond, known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find success while maintaining the integrity of our values: building trust, fostering lasting relationships, and pursuing excellence.

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers, providing quality underwriting, sound portfolio management, and superior client service.

• Analyze financial information to evaluate creditworthiness of new loan requests, renewal loan requests, and ongoing portfolio management activities within the parameters of the Bank’s policies and procedures.
• Complete industry research to support existing and new customers.
• Compile commercial loan packages, ensuring completeness and accuracy of information.
• Provide written credit memos, financial analysis of borrowers, guarantors, and transactions, risk grading, and recommendations.
• Perform additional credit analysis using in-depth tools beyond traditional spreads and global cash flow, such as CRE analysis tools.
• Guide loan requests through the Credit Approval Process and ensure structures meet client needs and the Bank’s operating objectives.
• Ensure large commercial loan relationships comply with State, Federal regulations, and Bank policies.
• Monitor and service large commercial loan portfolios through portfolio management, covenant testing, tracking, servicing reviews, and exception clearing.
• Grade risk of each loan and recommend adjustments as circumstances change.
• Assist Relationship Managers in credit presentations to Credit Administration, committees, and leaders.
• Ensure proper documentation in file for all loans and treasury approvals.
• Collaborate with Relationship Managers, LOA, and operational teams to resolve documentation or compliance deficiencies.
• Accompany Relationship Managers on calls with existing and prospective customers as requested.
• Build and maintain positive relationships with internal partners including Loan Operations, Credit Administrators, Branch Personnel, and external stakeholders such as attorneys and developers.
• Lead special projects as directed by Credit Administration Leadership.
• Continuously update skills through professional training and cross-training opportunities offered by the Bank.
• Minimize past‑due loans in partnership with Relationship Managers, Credit Administrators, and Loan Assistants.
• Serve as a trusted advisor to clients and prospects within a risk‑management context.
• Demonstrate commitment to fair lending practices and stay knowledgeable on laws and regulations governing lending activities.
• Ensure compliance with all applicable Bank policies, State and Federal regulations, and Corporate policies.
• Build relationships with attorneys, appraisers, developers to enhance the Bank’s image and reputation.
• Stay abreast of products and services offered by the Bank.
• Follow regulatory requirements including BSA, AML, CIP, and OFAC to detect and deter money laundering and other unlawful activities.

Accepts other duties as assigned.

• Excellent interpersonal, organizational, and listening skills.
• Proficient in Microsoft Excel and Word.
• High attention to detail, patience, and willingness to help others.
• Ability to multitask and function well under pressure.
• Composure under pressure and responsive to customer and coworker concerns.

• Four‑year degree in Business Administration, Finance, Accounting, or related field.
• Graduation from a recognized school of banking is an asset.
• Minimum 4–6 years of experience in credit analysis, commercial banking, business banking, with at least 2 years of portfolio management or underwriting experience supporting middle market.
• Familiarity with loan structuring and documentation.
• In‑depth knowledge of federal and state lending regulations and Bank policies.
• Excellent oral and written communication skills.

• South State Bank credit policies, procedures, and underwriting standards.
• Annual regulatory and compliance training.
• Additional training as required.
• New Employee Orientation.

Must be able to stand and/or sit for long periods of time and effectively access and interpret information on computer screens, documents, and reports.

Specific compensation and benefits are provided upon request.

3475 Piedmont Rd NE, Suite 150 & 1900, Atlanta, Georgia 30305

South State Bank is an Equal Opportunity Employer, including disabled/veterans.

Position does not require travel.