Commercial Banking Associate - Orlando FL January Cohort 2027
About The Position
SouthState’s Commercial Banking Associate Program is designed for recent graduates with a minimum 3.4 GPA and prior internship experience. The program provides a structured start to a banking career, with six months of onsite training in Tampa, Florida, followed by a return to the associate’s local market. The role starts January 11, 2027, and is an hourly position based in an onsite office environment in Orlando, Florida, five days per week and 40 hours per week. Associates develop expertise in underwriting, loan processing, portfolio management, and relationship management. They support efforts to acquire new Business Banking clients and enhance existing relationships, with a focus on commercial term loans, lines of credit, cash management, treasury services, owner-occupied and investment real estate loans, and SBA-guaranteed loans. The role includes collaboration with commercial banking staff and sales partners, exposure to business-line leaders, and participation in projects. After successfully completing the program, associates transition to the Commercial Portfolio Analyst role for 6–18 months. Further progression depends on performance and available opportunities.
Requirements
- Bachelor’s degree earned within the last two years or expected in December 2026.
- Minimum GPA of 3.4.
- Previous internship experience.
- Strong analytical, organizational, and interpersonal skills.
- Ability to work collaboratively in a dynamic, fast-paced, team-oriented environment.
- Proficiency in Microsoft Office Suite.
Nice To Haves
- Internship experience in finance, banking, or a related field.
- Familiarity with financial modeling or banking software.
Responsibilities
- Learn financial spreading and apply it across different tiers.
- Assist in evaluating credit applications by analyzing financial statements, credit reports, and other relevant information to assess risk and creditworthiness.
- Prepare preliminary underwriting documents and structure loan proposals.
- Assist with monitoring and managing assigned client portfolios, tracking loan performance, identifying potential risks, and recommending solutions.
- Conduct periodic client account reviews to assess alignment with financial goals and bank standards.
- Gather and verify client documentation for loan origination and help ensure compliance with bank policies and regulatory requirements.
- Learn from internal teams to streamline loan approvals and closings.
- Build and maintain relationships with Retail, Small Business Banking, Business Banking, Middle Market, and Commercial clients by responding to inquiries, providing tailored financial solutions, and delivering service.
- Collaborate with sales partners to identify and pursue commercial banking business opportunities, including prospecting for potential clients.
- Help prepare presentations and proposals to attract clients and expand market presence.
- Develop sales acumen to support business growth and client retention.
- Participate in cross-functional projects, such as product development, process improvements, and market analysis.
- Engage with business-line leaders to understand strategic priorities and contribute to team initiatives.
- Complete required compliance courses and participate in training in financial analysis, credit risk assessment, and treasury services.
- Build product knowledge in commercial term loans, lines of credit, cash management, real estate loans, and SBA-guaranteed loans; attend leadership training.
- Support sales efforts by preparing client pitches and identifying cross-selling opportunities for treasury services and other banking products.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
