Commercial Portfolio Manager

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!

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service.

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities within the parameters of the Bank's policies and procedures.
• Completes industry research, as needed, supporting existing and new Customers to the Bank.
• Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided.
• Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow.
• Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank.
• Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.
• Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing.
• Properly grades risk of each loan in the assigned portfolio, per policy. Recommends adjustments to risk grades as circumstances change or new information becomes available.
• Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank.
• Ensures that all required documentation is in file for all loans and treasury management approvals.
• Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested.
• Builds and maintains a positive working relationships with internal business partners.
• Undertakes special projects related to job function as determined by Credit Leadership.
• Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank.
• Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans.
• As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management.
• Demonstrates a commitment to fair lending practices and remains knowledgeable of all laws and regulations governing the lending activities of financial institutions.
• Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank's image and reputation in the marketplace.
• Stays abreast of products and services the Bank is providing.
• Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws.
• Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP) and OFAC.

• Accepts other duties as assigned.

• Excellent interpersonal skills.
• Proficient in Microsoft Excel and Word.
• Strong organization skills.
• High attention to detail.
• Cooperative and willing to assist coworkers and customers on a regular basis.
• Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others.
• Possesses multi-tasking skills and be able to function well under pressure.
• Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
• Patience and willingness to help others in solving problems while maintaining a positive attitude.

• Education:
  
  Four-year degree in Business Administration, Finance, Accounting or related field;
  Graduation from a recognized school of banking is an asset or equivalent experience.
• Experience:
  
  Minimum of 4-6 years of experience in credit analysis, commercial banking, business banking with at least 2…