Commercial Relationship Manager I

SouthState Bank • Spartanburg, SC

6d • Onsite

About The Position

A Commercial Relationship Manager is responsible for originating commercial loans and cross-selling Bank products to commercial accounts. The role is expected to meet or exceed production goals. The manager evaluates loan applicants and existing borrowers, negotiates credit terms, monitors repayment, supports customers with business and financial matters, and develops new business through prospecting and relationship building. The role also prepares lending activity reports, keeps current on economic and regulatory developments affecting commercial lending, and participates in community affairs to increase the Bank’s visibility and business opportunities.

The position requires a professional business-office manner and dress, excellent interpersonal skills with customers and Bank associates, willingness to work as a team member, and commitment to the Bank’s mission and goals. The listed work location is 320 East Main St, Spartanburg, South Carolina 29302.

Requirements

• Bachelor’s degree in business, finance, or equivalent work experience in a related field.
• At least 3 years of previous commercial lending experience in a bank or loan setting.
• Strong knowledge of personal computers, Microsoft Office, and other software used in the department.
• Ability to prepare documents and compose business letters and memorandums.
• Ability to maintain confidentiality of customer and employee information.
• Self-starter able to work independently.
• Strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people.
• Ability to work at a faster-than-average pace and multitask.
• Professional business-office manner and dress.
• Excellent human-relations skills with customers and Bank associates.
• Willingness to participate as a team member and commitment to the Bank’s mission and goals.

Responsibilities

• Interview loan applicants and collect and analyze financial and related information to assess creditworthiness and loan requests.
• Establish and negotiate credit terms, including costs, repayment method and schedule, and collateral requirements.
• Collect and analyze information about customers’ current creditworthiness and the merits of existing loans, using methods such as business or collateral inspections, financial-report reviews, and interviews.
• Present loan requests to the executive loan committee when the proposed amount exceeds the department’s lending authority.
• Authorize or reject depository-account overdrafts within established authority.
• Monitor loan repayments and take necessary action to collect past-due accounts.
• Advise customers, where possible, on business management and financial matters.
• Serve as a contact officer for non-borrowing accounts and loan customers regarding other Bank services.
• Develop new business by contacting prospects and customers and cross-selling Bank services.
• Prepare lending activity reports for department management.
• Keep abreast of local and national economic, financial, political, and legislative developments that could affect corporate and commercial lending.
• Participate in community affairs and maintain professional and community relations to increase the Bank’s visibility and business opportunities.
• Perform other specifically assigned duties.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level