Commercial Portfolio Manager

SouthState Bank•Rock Hill, MO

1d•Onsite

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. This role involves analyzing financial information to evaluate credit worthiness, completing industry research, compiling loan packages, and guiding loan requests through the credit approval process. The position also ensures compliance with regulations and bank policies, monitors loan portfolios, and assists Relationship Managers with credit presentations and client interactions. Building positive relationships with internal and external partners is key, as is staying updated on bank products and services and adhering to all regulatory requirements, including those related to BSA, AML, CIP, and OFAC.

Requirements

Four-year degree in Business Administration, Finance, Accounting or related field; Graduation from a recognized school of banking is an asset or equivalent experience.
Minimum of 4-6 years of experience in credit analysis, commercial banking, business banking with at least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market.
Familiarity with loan structuring and loan documentation is required.
Knowledge in accounting and lending principles, as well as excellent oral and written communication skills.
Must have an in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.
Excellent interpersonal skills.
Proficient in Microsoft Excel and Word.
Strong organization skills.
High attention to detail.
Cooperative and willing to assist coworkers and customers on a regular basis.
Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others.
Possesses multi-tasking skills and be able to function well under pressure.
Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
Patience and willingness to help others in solving problems while maintaining a positive attitude.

Nice To Haves

Graduation from a recognized school of banking is an asset.

Responsibilities

Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures.
Completes industry research, as needed, supporting existing and new Customers to the Bank.
Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool).
Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank.
Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.
Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing.
Properly grades risk of each loan in the assigned portfolio, per policy. Recommends adjustments to risk grades as circumstances change or new information becomes available.
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.
Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested.
Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.).
Undertakes special projects related to job function as determined by Credit Administration Leadership.
Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank.
Works with Relationship Manager, Credit Administrators 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.
Remains knowledgeable of all laws and regulations governing the lending activities of financial institutions.
Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace.
Stays abreast of products and services the Bank is providing.
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 to assist in the identification, detection and determent of money laundering or other unlawful activities.
Accepts other duties as assigned.