Credit Officer III

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 III 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.

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

• 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;
• Approving credits within nCino and maintaining accurate credit files;
• Follow strict confidentially 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;
• Assistance 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; and
• All other tasks, responsibilities or duties, as directed by management.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Interpersonal skills:
  • Must have active listening skills (i.e., the ability to listen to others (without interruption), seek genuine understanding, and propose relevant and appropriate ideas).
  • Patient and willing to help internal and external stakeholders solve problems while maintaining a positive attitude.
  • Strong communication skills (written and verbal).
  • Composed under pressure.
• An inclination to lead, organize, and develop within their 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.
• Proficient with standard office machines, Microsoft Office software suites, and any software that might be utilized in the department.
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank.
• Able to fluently speak and write in business English (including spelling, grammar, and punctuation).

• Education: 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.
• Experience: Prior…