Commercial Portfolio Manager I

SouthState Bank • Waco, TX

2d • Onsite

About The Position

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers, primarily in commercial banking with some commercial real estate (CRE). The role provides quality underwriting, sound portfolio management, and superior client service. It evaluates creditworthiness for new and renewal loan requests and ongoing portfolio management, conducts industry research, prepares commercial loan packages, and guides requests through the credit approval process. The position also monitors large commercial loan portfolios, maintains regulatory and policy compliance, supports Relationship Managers in credit presentations and client interactions, and serves as a trusted advisor to clients and prospects within the context of risk management.

The role works closely with Relationship Managers, Credit Administration, Loan Operations, Loan Assistants, and other internal and external partners. It requires sound judgment, attention to detail, strong communication and organization skills, and knowledge of commercial lending, accounting, loan structuring, documentation, and applicable regulations. The position has no supervisory responsibility and does not require travel. Work location: 8004 Woodway Dr., Ste. 200, Waco, Texas 76712.

Requirements

• Four-year degree in Business Administration, Finance, Accounting, or a related field, or equivalent experience.
• At least 4–6 years of experience in credit analysis, commercial banking, or business banking.
• At least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market.
• Familiarity with loan structuring and loan documentation.
• Knowledge of accounting and lending principles.
• In-depth knowledge of federal and state lending regulations and Bank policies related to lending procedures.
• Excellent oral and written communication skills.
• Proficiency in Microsoft Excel and Word.
• Strong interpersonal and organizational skills, high attention to detail, and effective listening skills.
• Ability to multitask and function well under pressure while remaining composed in response to customer and coworker concerns.
• Cooperative, patient, and willing to help coworkers and customers solve problems while maintaining a positive attitude.
• Ability to stand and/or sit for long periods and effectively access and interpret information on computer screens, documents, and reports.

Nice To Haves

• Graduation from a recognized school of banking.

Responsibilities

• Analyze financial information to assess creditworthiness for new and renewal loan requests and ongoing portfolio management in accordance with Bank policies and procedures.
• Conduct industry research to support existing and prospective Bank customers.
• Prepare complete and accurate commercial loan packages, including credit memos, borrower and guarantor financial analyses, transaction analyses, risk assessments, risk grades, and recommendations.
• Perform additional credit analysis using tools beyond traditional financial spreads and global cash flow analysis when needed, such as CRE analysis tools.
• Guide loan requests through the Credit Approval Process and ensure loan structures meet client needs and the Bank’s operating objectives.
• Ensure large commercial loan relationships comply with state and federal regulations and Bank policies and procedures.
• Monitor and service supported Commercial Bankers’ large commercial loan portfolios, including centralized covenant testing and tracking, annual servicing reviews, and exception clearing.
• Assign and monitor loan risk grades in accordance with policy, recommending adjustments when circumstances or information change.
• Assist Relationship Managers with credit presentations to Credit Administration, Bank leaders, and committees.
• Ensure required documentation is on file for loans and treasury management approvals, and work with Relationship Managers and Loan Assistants to resolve documentation or compliance deficiencies.
• Accompany Relationship Managers on calls with existing or prospective customers as requested.
• Build and maintain positive working relationships with internal business partners, including Loan Operations, Credit Administrators, Credit Leadership, local line leadership, and branch personnel.
• Undertake special projects related to the job function as assigned by Credit Administration Leadership.
• Participate in professional training, update skills, and seek cross-training opportunities.
• Work with Relationship Managers, Credit Administrators, and Loan Assistants to minimize past-due loans.
• Serve as a trusted advisor to clients and prospects within the context of risk management.
• Demonstrate a commitment to fair lending and comply with applicable laws, regulations, Bank policies, and procedures.
• Build and maintain relationships with attorneys, appraisers, developers, and others to enhance the Bank’s marketplace image and reputation.
• Stay informed about the Bank’s products and services.
• Follow regulatory requirements related to the Bank Secrecy Act, Anti-Money Laundering, Customer Identification Program, and OFAC to help identify, detect, and deter money laundering or other unlawful activities.
• Accept other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level