BL Credit Officer
About The Position
The SouthState 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 SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!
Requirements
- BS or Higher in Business Administration, Finance, Accounting, or related field
- Five or more years of banking experience in Commercial credit analysis, commercial loan review or commercial lending.
- Good interpersonal skills
- Good computer skills, including Word and Excel
- Excellent communication skills
- Ability to communicate and negotiate with all levels.
Nice To Haves
- Solutions Oriented
- Detail Oriented
- General Banking Knowledge
Responsibilities
- Take ownership of all tasks and challenges encountered in the operation of their assigned position.
- Primary responsibility for the Company’s credit approval and review activities to support a centralized approval process for business loans.
- Ensure that loan decisions adhere to existing policy guidelines.
- Ensure documentation is adequate to ensure security of collateral.
- Ensure ongoing administration and review is adequate to maintain the commercial loan portfolio’s quality and profitability.
- Makes timely assessments of credit risk and determines whether loan requests within his/her authority should be approved or if they should be declined if there are questions of policy or excessive risk.
- Makes recommendations on credit requests that exceed his/her authority.
- Directs the examination of loan documentation before granting the loan or loan commitment to ensure its adequacy and completeness.
- Assists Team Members, when volume exceeds capacity, in order to meet all established service level agreements.
- Advises credit and line personnel on the Company’s overall lending policy noting significant trends and recommending policy changes as necessary.
- Special projects as assigned.
- Ensure compliance and enforcement of all Bank, State, Federal, and regulatory policies, with emphasis placed on loan policies and procedures.
- Assure all confidential information is properly safeguarded in accordance with Bank policies.
- Accepts Other duties as assigned.
Benefits
- Equal Opportunity Employer, including disabled/veterans.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
