Commercial Portfolio Manager I

South State Bank•Austin, TX

2d•Onsite

About The Position

The Commercial Portfolio Manager supports the commercial loan and deposit portfolios of one or more Commercial Relationship Managers, including some commercial real estate (CRE) work. The role provides quality underwriting, sound portfolio management, and superior client service while helping ensure transactions meet client needs and the Bank’s operating objectives and risk standards. The position analyzes new and renewal loan requests and performs ongoing portfolio management, including financial and industry analysis, loan package preparation, risk grading, credit approval coordination, covenant monitoring, annual servicing reviews, and exception clearing. It assists Relationship Managers with credit presentations, documentation and compliance issues, client calls, and past-due loan management. The role also works with internal business partners and external professionals, maintains knowledge of Bank products and applicable lending regulations, and supports fair lending and other regulatory compliance requirements. The position requires a four-year degree in a related field or equivalent experience, plus 4–6 years of relevant credit or commercial banking experience, including at least two years supporting Middle Market portfolio management and/or underwriting. The employee receives training in South State Bank credit policies, procedures, underwriting standards, and regulatory compliance. The position has no supervisory responsibility, does not require travel, and is based at 8004 Woodway Dr., Ste. 200, Waco, Texas 76712.

Requirements

Four-year degree in Business Administration, Finance, Accounting, or a related field; graduation from a recognized school of banking is an asset, or equivalent experience.
A minimum of 4–6 years of experience in credit analysis, commercial banking, or business banking.
At least two 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.
Excellent oral and written communication skills.
In-depth knowledge of federal and state lending regulations and Bank policies related to lending procedures.
Proficiency in Microsoft Excel and Word.
Strong organizational skills and high attention to detail.
Excellent interpersonal and listening skills, including the ability to understand others and respond with relevant solutions or contributions.
Ability to multitask and function well under pressure while remaining composed when responding to customer and coworker concerns.
Cooperative approach and willingness to assist coworkers and customers 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.
Equivalent experience in place of the stated degree.

Responsibilities

Analyze financial information to assess creditworthiness for new and renewal loan requests and ongoing portfolio management, following Bank policies and procedures.
Conduct industry research to support existing and prospective Bank customers.
Prepare complete and accurate commercial loan packages, including credit memoranda, borrower and guarantor financial analyses, transaction risk analysis, risk grades, and recommendations.
Perform additional, in-depth credit analysis when needed, including use of CRE analysis tools.
Guide loan requests through the Credit Approval Process and help ensure loan structures meet client needs and Bank objectives.
Ensure large commercial loan relationships comply with state and federal regulations and Bank policies and procedures.
Monitor and service supported commercial loan portfolios through covenant testing and tracking, annual servicing reviews, and exception clearing.
Assign and monitor loan risk grades and recommend adjustments when circumstances or information change.
Assist Relationship Managers with credit presentations to Credit Administration, Bank leaders, and committees.
Ensure required loan and treasury management approval documentation is on file and help resolve documentation or compliance deficiencies.
Accompany Relationship Managers on calls with existing or prospective customers when requested.
Maintain positive working relationships with internal business partners and external professionals, including attorneys, appraisers, and developers.
Complete special projects related to the role as assigned by Credit Administration Leadership.
Participate in professional training and cross-training to maintain and improve job skills.
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.
Follow fair lending practices and applicable Bank policies, procedures, and state and federal lending regulations.
Stay informed about the Bank’s products and services.
Follow regulatory requirements related to BSA, AML, CIP, and OFAC to help identify, detect, and deter money laundering and other unlawful activity.
Accept other duties as assigned.