Commercial Portfolio Manager II

SouthState Bank•Atlanta, GA

About The Position

The Commercial Portfolio Manager supports the commercial loan and deposit portfolios of one or more Commercial and CRE Relationship Managers. The role provides quality underwriting, sound portfolio management, and superior client service. It analyzes new and renewed loan requests and existing portfolio activity, prepares commercial loan packages and credit memoranda, guides requests through the credit approval process, monitors portfolio risk and compliance, and works with Relationship Managers and Credit Administration to support clients and minimize past-due loans. The position also supports regulatory compliance, maintains effective relationships with internal partners and external professionals, and keeps skills current through training and cross-training.

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.
Excellent interpersonal skills, strong organization skills, and high attention to detail.
Ability to listen effectively, understand others, and respond with relevant solutions or contributions.
Ability to multitask and function well under pressure while remaining composed in response to customer and coworker concerns.
Patience, a positive attitude, and willingness to help others solve problems.
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, 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 analysis, transaction analysis, risk assessment, risk grading, and recommendations.
Perform additional, in-depth credit analysis when needed, including use of tools such as CRE analysis tools.
Guide loan requests through the credit approval process and 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 assigned large commercial loan portfolios, including covenant tracking and testing, annual servicing reviews, and exception clearing.
Grade loan risk according to policy and recommend changes when circumstances or new information warrant.
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 help resolve documentation or compliance deficiencies.
Accompany Relationship Managers on calls with existing or prospective customers when requested.
Build positive working relationships with internal business partners, including Loan Operations, Credit Administration, Credit Leadership, local line leadership, and branch personnel.
Complete special projects related to the role as assigned by Credit Administration Leadership.
Participate in professional training and pursue opportunities to improve skills through Bank-provided cross-training.
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 commitment to fair lending and comply with applicable laws, regulations, and Bank policies and procedures.
Build and maintain positive relationships with attorneys, appraisers, developers, and others to enhance the Bank’s marketplace image and reputation.
Stay informed about Bank products and services.
Follow corporate policies, procedures, and Federal and State laws and regulations.
Follow BSA, AML, CIP, and OFAC requirements to help identify, detect, and deter money laundering and other unlawful activities.
Accept other duties as assigned.