Credit Officer II

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!

This position is primarily responsible for managing the Bank’s credit risk through the prudent and sound use of delegated loan approval authority. The Credit Officer II analyzes loan requests, renewals and modifications (prepared jointly by Credit Analysts, Portfolio Managers, and Relationship Managers) to determine the likelihood of repayment, ensure that loan terms, structure, covenants and conditions are appropriate, arrive at a final approve/decline decision, and assign an appropriate risk rating.

The Credit Officer II must be well‑versed in sound lending principles, the Bank’s loan policy, and current Federal and state laws and regulations. The Credit Officer II is expected to proactively identify and communicate ideas for improving the credit administration process and acts as a commercial lending and credit mentor, coach, and liaison to teammates across the organization.

This position is expected to perform the duties, tasks, and responsibilities as outlined below:

• 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
• Know and stay abreast of economic conditions
• Determine appropriate loan amounts and credit limits
• Coordinate approvals with Relationship Managers
• Supervise underwriters to verify correct completion of duties
• Approve credits within nCino and maintain 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 (SLAs)
• Coach, mentor and develop staff (i.e., Portfolio Managers)
• Drive strict compliance with the Bank’s policies, 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
• All other tasks, responsibilities or duties, as directed by management

• Active listening skills (including the ability to listen to others without interruption, seek genuine understanding, and propose relevant ideas)
• Patient and willing to help internal and external stakeholders solve problems while maintaining a positive attitude
• Strong written and verbal communication skills
• Composure under pressure
• Inclination to lead, organize, and develop within sphere of influence
• Well‑organized, accurate, and attentive to detail
• Able to type at a pace of roughly 20 words per minute
• Proficient with a financial calculator and standard office machines
• Proficient with Microsoft Office suites and any software utilized in the department
• Efficient computer use and ability to learn new software programs
• Fluently speak and write in business English (including proper spelling, grammar, and punctuation)

Education: Bachelor’s Degree in accounting, economics, finance or a related field is required. Graduation from a recognized school of banking and/or business‑related graduate degrees is a plus.

Experience: Prior commercial lending, underwriting, and credit approval experience is highly beneficial. Minimum of seven years of experience in commercial banking, business banking and/or portfolio management. Ability to decide deals of…