Commercial Banking Associate - Houston Cohort

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!

Our Commercial Banking Associate Program is designed for new graduates with a 3.4 GPA or higher and prior internship experience. This program offers a structured start to your banking career, fostering group dynamics and consistency. After training onsite in Tampa, FL for the first 6months, you'll return to your local market.

Role starts January 11, 2027

• Learn and understand how financial spreads work. Practical application to learn different tiers.

• Learn how to assist in evaluating credit applications by analyzing financial statements, credit reports, and other relevant data to assess risk and creditworthiness.

• Prepare preliminary underwriting documents and structure loan proposals.

• Understand how to assist and monitor and manage assigned client portfolios, including tracking loan performance, identifying potential risks, and recommending solutions to maintain portfolio health.

• Conduct periodic reviews of client accounts to ensure alignment with financial goals and bank standards.

• Understand and apply skills to facilitate the loan origination process by gathering and verifying client documentation, ensuring compliance with bank policies and regulatory requirements.

• Learn from internal teams to streamline loan approvals and closings.

• Learn what it takes to build and maintain relationships with Retail, Small Business Banking, Business Banking, Middle Market and Commercial clients by addressing inquiries, providing tailored financial solutions, and ensuring high-quality service.

• Collaborate with sales partners to identify and pursue new business opportunities, including prospecting for potential clients in the commercial banking sector.

• Assist in preparing presentations and proposals to attract new clients and expand market presence.

• Develop sales acumen to contribute to business growth and client retention.

• Participate in cross-functional projects with various lines of business, such as product development, process improvements, or market analysis, to gain broader exposure to banking operations.

• Engage with business line leaders to understand strategic priorities and contribute to team initiatives.

• Complete all compliance courses as prescribed by job function

• Actively participate in training sessions to develop technical skills in areas like financial analysis, credit risk assessment, and treasury services.

• Build product knowledge in commercial term loans, lines of credit, cash management, owner-occupied and investment real estate loans, and SBA-guaranteed loans.

• Attend leadership training

• Work closely with commercial banking staff to support sales efforts, including preparing client pitches and identifying cross-selling opportunities for treasury services and other banking products.

• Develop sales acumen to contribute to business growth and client retention.

• Must have graduated with a Bachelor's degree within the last 2 years or Dec 2026 grad, with a minimum GPA of 3.4, preferred.

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