Credit Officer III; Middle Market

Summary/Objectives

This role provides direction, support and approval of C&I loans in our Middle Market segment which is defined as prospects and clients with revenues of $100 million to $500 million annually.

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

• Active listening skills (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 commercial lending, underwriting, and credit approval is highly beneficial. Minimum of ten years of experience in commercial banking, business banking and/or portfolio management. Competent to decide deals of advanced complexity, or that required specialized knowledge, arising from multiple market areas. Prior management experience is preferred.
• Certifications/Specific Knowledge – Knowledge of accounting, finance, and lending principles. In‑depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.

• South State Bank credit policies, procedures and underwriting standards
• nCino training
• Annual regulatory and compliance training
• Additional training required as necessary

This position requires a large amount of time at a computer. This can be done sitting or standing with use of the right desk. Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday. Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of standard workday.

Must be able to hear and communicate with coworkers and customers. May need to lift up to 25 pounds to perform job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Position may require regular before/after normal business hours, or regular out‑of‑town travel.