Commercial Portfolio Manager II

SouthState Bank•Charlotte, NC

2d•Onsite

About The Position

The Commercial Portfolio Manager II supports the commercial loan and deposit portfolio of one or more Commercial, CRE, or Middle Market Relationship Managers. The role provides quality underwriting, sound portfolio management, and superior client service while balancing client needs with the Bank’s risk management and operating objectives. The position analyzes financial information for new and renewal loan requests and ongoing portfolio management; prepares commercial loan packages and written credit memoranda; conducts industry and additional credit analysis; guides loan requests through the Credit Approval Process; and monitors loan portfolio risk, covenants, annual reviews, exceptions, documentation, and past-due loans. It also supports Relationship Managers in credit presentations and customer interactions, maintains relationships with internal and external partners, and helps ensure compliance with Bank policies and applicable state and federal regulations, including fair lending, BSA, AML, CIP, and OFAC requirements. The role requires strong interpersonal, organizational, listening, and multitasking skills, attention to detail, composure under pressure, and proficiency in Microsoft Excel and Word. A four-year degree in business administration, finance, accounting, or a related field is required, or equivalent experience. Candidates must have 4–6 years of relevant experience, including at least two years in portfolio management and/or underwriting, and familiarity with loan structuring and documentation. The position requires annual compliance training and New Employee Orientation. The work location is 110 East Boulevard, Charlotte, North Carolina 28203.

Requirements

Four-year degree in Business Administration, Finance, Accounting, or a related field, or equivalent experience.
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.
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.
Excellent interpersonal skills.
Proficiency in Microsoft Excel and Word.
Strong organizational skills and high attention to detail.
Effective 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 in response to customer and coworker concerns.
Patience, a positive attitude, and willingness to help coworkers and customers solve problems.
Ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.
Ability to complete required annual compliance training and New Employee Orientation.

Nice To Haves

Graduation from a recognized school of banking is an asset.

Responsibilities

Analyze financial information to evaluate the creditworthiness of new and renewal loan requests and support ongoing portfolio management in accordance with Bank policies and procedures.
Conduct industry research to support existing and prospective Bank customers.
Compile complete and accurate commercial loan packages, including written credit memoranda, borrower and guarantor financial analyses, transaction and risk analyses, risk grades, and recommendations.
Perform additional credit analysis using tools beyond traditional spreads and global cash flow analysis when needed.
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 centralized covenant testing and tracking, annual servicing reviews, and clearing exceptions.
Assign and maintain loan risk grades in accordance with policy, recommending changes as circumstances or 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; help resolve documentation or compliance deficiencies with the Relationship Manager and Loan Assistant.
Accompany Relationship Managers on calls with existing or prospective customers when requested.
Build and maintain positive working relationships with internal business partners and external contacts, including attorneys, appraisers, and developers.
Undertake special projects related to the job function as directed by Credit Administration Leadership.
Maintain and improve skills through professional training and Bank-provided cross-training.
Work with the Relationship Manager, Credit Administrators, and Loan Assistant to minimize past-due loans.
Serve as a trusted advisor to clients and prospects within the context of risk management.
Remain knowledgeable about fair lending, lending regulations, Bank policies, and the Bank’s products and services, and comply with applicable requirements.
Follow regulatory requirements relating to BSA, AML, CIP, and OFAC to help identify, detect, and deter money laundering and other unlawful activities.