Commercial Relationship Manager III - Austin, TX

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

• Actively participate in a business development plan to increase the loan and deposit portfolio of commercial clients within a South State metro market.
• Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions.
• Manage 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.
• Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
• Underwrite loan requests within the parameters of the Bank’s policies and procedures, ensuring the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval.
• Manage and service the assigned loan portfolio, ensuring all required documentation is in file for all loans and deposits.
• Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review.
• Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available.
• Price each loan and deposit product according to current Bank pricing guidelines.
• Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations.
• Demonstrate a commitment to fair lending practices and remain knowledgeable of all laws and regulations governing the lending activities of financial institutions.
• Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
• Resolve client problems and assist with general inquiries to provide superior service to existing clients.
• Build and maintain a positive working relationship with COIs and others in the community to enhance the Bank’s image and reputation in the marketplace.

• Well-developed sales, interpersonal and negotiating skills.
• Excellent written and verbal communication skills.
• Basic accounting and credit skills; detail oriented and able to prioritize complex work assignments.
• Proven analytical skills and ability to evaluate creditworthiness.
• Proficient in the use of basic office equipment with an emphasis on calculator and computer.
• Proficiency in Microsoft Word, Excel, Outlook.

• Education: A Bachelor’s degree in business, finance, banking, or related field required. Graduation from a recognized school of banking is an asset.
• Experience: Minimum 10+ years of commercial lending experience, including loan structuring and credit analysis responsibilities.
• 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 strongly preferred.

• Required annual compliance training.
• New Employee Orientation.

Must be able to effectively access and interpret information on computer screens, documents, reports. Requires a large amount of time in front of a computer, sitting or standing with use of the right desk.

This position is in a private office.

This position may require some travel from time to time.

1011 W. 40th St., Ste. 100 Austin, Texas 78756

Equal Opportunity Employer, including disabled/veterans.