Commercial Portfolio Manager Team Lead

South State Bank • Charleston, SC

80d

About The Position

The Commercial Portfolio Manager Team Lead position manages a team of Commercial Portfolio Managers. In addition to leadership and management of a Commercial Portfolio Management team, this position has the primary responsibility of supporting Commercial loan portfolios of one or more Relationship Managers. Analyzes financial information to evaluate the credit worthiness of Commercial loan requests. Compiles Commercial loan packages ensuring completeness and accuracy of information provided. Assures that all Commercial loans are in compliance with State and Federal regulations and Bank policies and procedures. Monitors and Services the Commercial loan portfolios of the supported Relationship Managers. Other responsibilities include the supervision and delegation of work related to covenant testing and tracking, the loan annual review process and various projects.

Requirements

• Four-year degree in Business Administration, Finance, Accounting or related field.
• Minimum of five years of experience in commercial banking, business banking and/or portfolio management.
• Prior management experience is strongly preferred.
• 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

• Manages and leads team of Portfolio Managers, including training, coaching and developing teammates.
• Reviews and decisions Annual Servicing Reviews and other requests within designated loan authority.
• 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 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 Relationship Managers.
• Properly grades risk of each loan in the assigned portfolio.
• Assists Relationship Manager in credit presentation to Credit Administration or other leaders.
• Ensures that all required documentation is in file for all loans and treasury management approvals.
• Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers.
• Builds and maintains 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 Officers and Loan Assistant to minimize past due loans.
• Serves as a trusted advisor to clients and prospects within the context of risk management.
• Demonstrates a commitment to fair lending practices.
• Builds and maintains a positive working relationship with attorneys, appraisers, developers and others.
• Stays abreast of products and services the Bank is providing.
• Adheres 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: Manager
• Education Level: Bachelor's degree