Commercial FSR - Houston Memorial, Texas

South State Bank•Piney Point Village, 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 tasks and challenges associated with the assigned position and specializes in business and treasury products and services. The Commercial FSR opens and maintains deposit accounts, serves as a primary point of contact among customers, retail, and treasury management, and identifies opportunities to expand depository and treasury management business. The position provides prompt, accurate, efficient, and confidential customer service; maintains accurate and timely client information and documentation; addresses customer concerns; and escalates issues when needed. It also manages compliance and risk, supports commercial and consumer teams, helps customers adopt self-service technology, and may represent the bank in customer or industry meetings or initiate and service Consumer and/or BLE loans. The role is based at 9601 Katy Fwy., Ste. 100, Houston, Texas 77024. Travel may be required for meetings and classes. The work setting may be an open lobby workstation, cubicle, or private office inside a climate-controlled facility.

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.
Fluent in reading, writing, and speaking English.
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 form effective relationships within the organization to deliver client service.
Ability to negotiate on behalf of the bank and borrower while balancing risk and shareholder value.
Ability to identify client depository and treasury management opportunities.
Strong verbal, written, interpersonal, analytical, and problem-solving skills.
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.
Willingness to travel for meetings and classes as needed.
Ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.
Ability to sit or stand for long periods and, as needed, bend and reach.

Nice To Haves

Previous experience managing depository relationships.
Bachelor's degree, preferably in business, accounting, or finance, as an alternative education path to the high school diploma/GED requirement.

Responsibilities

Open new deposit accounts and explain business and treasury products and services, including their features, benefits, rules, regulations, and pricing.
Handle stop payments, wire transfers, and other account maintenance functions within assigned limits.
Serve as the primary contact among customers, retail, and treasury management to coordinate customer processes such as account opening.
Identify opportunities for new depository and treasury management business within the existing portfolio and through networking with new customers.
Identify customer needs through listening and meaningful conversations.
Provide prompt, accurate, efficient, and confidential service 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 courteously and discreetly, and escalate or redirect customers to other resources as needed.
Assess and manage risks associated with the job and comply 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 business, as needed.
Expand deposit opportunities and develop a book of business over time.
Initiate and/or service Consumer and/or BLE loans, as needed.
Attend required onboarding, banking foundations, regulatory compliance, and policy acknowledgement training.