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 structured training and hands-on experience in underwriting, loan processing, portfolio management, and relationship management. Associates train onsite in Tampa, Florida, for the first six months before returning to their local market. The role starts January 11, 2027, and is hourly. Associates support the acquisition of new Business Banking clients and the development of existing relationships. Areas of exposure include commercial term loans, lines of credit, cash management, treasury services, owner-occupied and investment real estate loans, and SBA-guaranteed loans. The role involves working with commercial banking staff and sales partners, collaborating on cross-functional projects, and engaging with business-line leaders. With successful program completion, associates transition to a Commercial Portfolio Analyst role for 6–18 months, with potential to progress into other roles over time.
Requirements
- Bachelor’s degree earned within the last two years or expected in December 2026.
- Minimum GPA of 3.4; the posting identifies this as preferred.
- Previous internship experience, preferably in finance, banking, or a related field.
- Strong analytical, organizational, and interpersonal skills.
- Ability to work collaboratively in a dynamic, fast-paced, team-oriented environment.
- Proficiency in Microsoft Office Suite.
- Complete annual compliance training and New Employee Orientation.
Nice To Haves
- Familiarity with financial modeling or banking software.
- Internship experience in finance, banking, or a related field.
Responsibilities
- Learn how financial spreads work and apply them across different tiers.
- Assist with evaluating credit applications by analyzing financial statements, credit reports, and other relevant data 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 ensure alignment with financial goals and bank standards.
- Gather and verify client documentation for loan origination and 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 addressing inquiries and providing tailored financial solutions and service.
- Collaborate with sales partners to identify and pursue commercial banking opportunities, including prospecting for potential clients.
- Assist in preparing presentations and proposals to attract clients and expand market presence.
- 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 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.
- Develop sales capabilities to contribute to business growth and client retention.
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
Entry Level
