Commercial Portfolio Manager Team Lead

SouthState Bank•The Woodlands, TX

About The Position

The Commercial Portfolio Manager Team Lead manages a team of Commercial Portfolio Managers and supports the commercial loan portfolios of one or more Relationship Managers. The role leads, trains, coaches, and develops team members while analyzing commercial credit requests, preparing loan packages, and monitoring and servicing commercial portfolios. It ensures loans comply with applicable regulations and bank policies, and oversees work related to covenant testing and tracking, annual reviews, and special projects. The position works closely with Relationship Managers, Credit Administration, Loan Operations, and other internal partners to guide loan requests through the credit approval process, maintain accurate loan documentation, manage portfolio risk, and support clients and prospects. It also requires keeping current with lending regulations, bank products and services, and professional skills. The role is based at the listed Woodlands, Texas work location; travel may be required for meetings. Telecommuting arrangements, if applicable, require a secure, quiet home office and reliable private internet access.

Requirements

Four-year degree in Business Administration, Finance, Accounting, or a related field, or equivalent experience.
Minimum of 8 years of experience in commercial banking, business banking, and/or portfolio management.
At least 5 years of specific portfolio management and/or underwriting experience.
Knowledge of accounting and lending principles.
In-depth knowledge of federal and state lending regulations and bank lending policies and procedures.
Excellent oral and written communication skills.
Proficiency in Microsoft Excel and Word.
Excellent interpersonal skills.
Strong organizational skills and attention to detail.
Ability to multitask and function effectively under pressure while remaining composed.
Effective listening skills and ability to propose solutions based on others’ input.
Cooperative approach and willingness to assist coworkers and customers.
Patience and a positive attitude when helping others solve problems.

Nice To Haves

Graduation from a recognized school of banking.
Prior management experience.

Responsibilities

Manage, train, coach, and develop a team of Portfolio Managers.
Review and decide Annual Servicing Reviews and other requests within designated loan authority.
Analyze financial information and assess creditworthiness for new and renewal loan requests and ongoing portfolio management.
Conduct industry research as needed for existing and prospective customers.
Prepare complete and accurate commercial loan packages, including credit memoranda, financial analyses, risk assessments, risk grades, and recommendations.
Perform additional credit analyses 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 operating objectives.
Ensure large commercial loan relationships comply with state and federal regulations and bank policies and procedures.
Monitor and service supported Relationship Managers’ large commercial loan portfolios, including covenant testing and tracking, annual servicing reviews, and exception clearing.
Assign appropriate loan risk grades and recommend changes when circumstances or information warrant.
Assist Relationship Managers with credit presentations to Credit Administration, bank leaders, and committees.
Ensure required loan and treasury management approval documentation is on file; work with Relationship Managers and Loan Assistants to resolve documentation or compliance deficiencies.
Accompany Relationship Managers on calls with existing or prospective customers when requested.
Maintain productive relationships with internal business partners, including Loan Operations, Credit Administration, credit and line leadership, and branch personnel.
Undertake special projects assigned by Credit Administration leadership.
Participate in professional training and cross-training to update and improve 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, laws, and regulations.
Maintain relationships with attorneys, appraisers, developers, and others to support the bank’s image and reputation.
Stay informed about the bank’s products and services.
Follow regulatory requirements related to BSA, AML, CIP, and OFAC to help identify and deter money laundering and other unlawful activities.