Commercial Portfolio Manager Team Lead

Commercial Portfolio Manager Team Lead

South State Bank

The Commercial Portfolio Manager Team Lead position manages a team of Commercial Portfolio Managers. In addition to leadership and management of a Commercial Portfolio Management team, this position has the primary responsibility of supporting Commercial loan portfolios of one or more Relationship Managers. Analyzes financial information to evaluate the credit worthiness of Commercial loan requests. Compiles Commercial loan packages ensuring completeness and accuracy of information provided.

Assures that all Commercial loans are in compliance with State and Federal regulations and Bank policies and procedures. Monitors and services the Commercial loan portfolios of the supported Relationship Managers. Other responsibilities include the supervision and delegation of work related to covenant testing and tracking, the loan annual review process and various projects.

• Manages and leads team of Portfolio Managers. These responsibilities include training, coaching and developing teammates.
• Reviews and decisions Annual Servicing Reviews and other requests within designated loan authority.
• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on‑going Portfolio Management activities through thorough and accurate analyses 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. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
• Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool).
• 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 Relationship Managers 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. Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
• 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 (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.).
• Undertakes special projects related to job function as determined by Credit Administration 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. Remains knowledgeable of all laws and…