Commercial Portfolio Manager II

SouthState Bank • Waco, TX

94d

About The Position

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service.

Requirements

• Four-year degree in Business Administration, Finance, Accounting or related field.
• Minimum of 4-6 years of experience in credit analysis, commercial banking, 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 in 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.

Nice To Haves

• Graduation from a recognized school of banking is an asset or equivalent experience.

Responsibilities

• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities.
• Completes industry research, as needed, supporting existing and new Customers to the Bank.
• Compiles commercial loan packages ensuring completeness and accuracy of information provided.
• Completes additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow.
• Guides the loan request through the Credit Approval Process.
• Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies.
• Monitors and services the large commercial loan portfolios of the supported Commercial Bankers.
• Properly grades risk of each loan in the assigned portfolio.
• Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank.
• Ensures that all required documentation is in file for all loans and treasury management approvals.
• Builds and maintains a positive working relationships with internal business partners.
• Undertakes special projects related to job function as determined by Credit Administration Leadership.
• Continuously updates skills by participating in professional training.
• Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans.
• Demonstrates a commitment to fair lending practices.
• Builds and maintains a positive working relationship with attorneys, appraisers, developers and others.
• Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws.
• Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP) and OFAC.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree