Commercial FSR - Houston Memorial, Texas

SouthState Bank•Houston, TX

1d•Onsite

About The Position

The Commercial FSR manages commercial banking depository accounts to maximize bank profitability while maintaining acceptable risk through relationship management and business development. The role takes ownership of the tasks and challenges involved in operating the assigned position. It opens and services deposit accounts, supports business and treasury management products, coordinates customer service across teams, identifies new business opportunities, and ensures accurate, confidential, and compliant handling of customer information and transactions. The position may also initiate or service Consumer and/or BLE loans. The role works with Commercial Relationship Managers, other Commercial staff, and the Consumer team to support customers and business development. It develops knowledge of customer-facing technology and helps customers enroll in self-service options. The position may represent the bank in meetings with customers, prospects, and industry associations. Work is performed at the stated Houston location in a lobby, cubicle, or private-office environment, with travel to meetings and classes as needed.

Requirements

High school diploma or GED and at least 5 years of banking experience, preferably in customer service, sales, or an FSR position; alternatively, a bachelor’s degree, preferably in business, accounting, or finance, and at least 3 years of banking experience, preferably in customer service, sales, or an FSR position.
Familiarity with treasury management services and other banking products.
General banking knowledge and sound technical skills.
General knowledge of laws, regulations, and compliance related to commercial banking.
Ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value.
Ability to identify client depository and treasury management opportunities.
Strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills.
Ability to build effective internal relationships to deliver strong client service.
Ability to work in a team environment, demonstrate flexibility as business dictates, and work with minimal supervision.
Ability to make independent decisions related to job responsibilities.
Fluent in reading, writing, and speaking English.
Ability to access and interpret information on computer screens, documents, reports, cash denominations, and identify customers.
Willingness to travel for meetings and classes.

Nice To Haves

Previous experience managing depository relationships.
A bachelor’s degree, preferably in business, accounting, or finance, as an alternative to the high-school-diploma experience pathway.

Responsibilities

Open new deposit accounts and understand the bank’s financial services, specializing in business and treasury products and services, including their features, benefits, rules, regulations, and pricing.
Handle stop payments, wire transfers, and other maintenance functions within assigned limits.
Serve as the primary contact among customers, retail, and treasury management to coordinate a seamless customer process, including account opening.
Seek new depository and treasury management business within the existing portfolio and through networking with new customers.
Identify customer needs and expectations through listening and meaningful conversations.
Serve customers quickly, accurately, efficiently, and confidentially according to South State Bank Gold Customer Service Standards and established limits.
Ensure the integrity and timeliness of client information, documentation, and data.
Address customer concerns and issues courteously and discreetly, escalating or redirecting customers to other resources when needed.
Assess and manage risks associated with the job and ensure compliance with banking regulations, including Regulation CC and the Bank Secrecy Act.
Work with Commercial Relationship Managers and other Commercial staff to support and increase business development efforts.
Work with the Consumer team to service and support customers.
Develop an understanding of customer-facing technology and discuss and enroll customers in self-service options.
Represent the bank in meetings with customers, prospects, and industry associations to develop new business, as needed.
Expand deposit-base opportunities and develop a book of business over time.
Initiate and/or service Consumer and/or BLE loans, as applicable.
Attend required orientation, Banker Foundations, regulatory compliance training, and assigned policy acknowledgements; complete additional training if required based on experience.
Travel to meetings and classes as needed.