Commercial Relationship Manager III

SouthState Bank • Houston, TX

1d • Onsite

About The Position

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! This role involves managing the largest and most complex commercial relationships, delivering sustainable value to customers, ensuring profitability and appropriate risk, and acting as a subject matter expert for junior staff. Key aspects include assessing borrower creditworthiness, presenting loan opportunities, managing enterprise risk for various products and services, and actively pursuing new business development through calling efforts and community involvement.

Requirements

• Bachelor’s degree
• Minimum 8 years of experience in commercial lending as a credit analyst, underwriting specialist or portfolio manager
• Minimum 4 years of experience as a relationship manager
• Expert understanding of treasury management services and other banking products
• Expert accounting & finance knowledge
• Exceptional technical skills
• Expert knowledge of laws and regulations, and compliance related to commercial lending
• Demonstrated ability to negotiate on behalf of the bank and borrower while appropriately balancing risk and shareholder value
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills
• Ability to work in a team environment and demonstrate flexibility as business dictates
• Ability & willingness to investigate, resolve, and recommend process improvement opportunities
• Ability to effectively plan, manage, and delegate to others

Responsibilities

• Manages the largest and most complex relationships that require in depth analysis
• Deliver meaningful, sustainable value to customers by anticipating needs and expectations and providing appropriate value-add solutions
• Ensures integrity and timeliness of customer information, documentation, and data
• Ensures each relationship is profitable and represents appropriate risk
• Acts as subject matter expert to provide guidance and support to junior staff regarding customer questions and issues
• Mentors junior staff and helps to manage workflow within the team
• For new loan requests, assess borrower creditworthiness in accordance with credit policy
• Present loan opportunities to the appropriate credit approvers that include analysis and structure that are well articulated and well-reasoned
• Ensure that loans are documented in accordance with credit approvals
• Manage enterprise risk for products and services, including depository services and treasury management products as well as fraudulent activity
• Maintain expert knowledge of commercial banking products & services
• Consistently and aggressively pursue an active calling effort in order to maintain an extensive pipeline of new business opportunities
• Assist less experienced Relationship Managers by providing insight and recommendations regarding marketing and deal flow management
• Provide existing and prospective customers with appropriate financial services and advice
• Lead community visibility and involvement through active and strategic relationships with centers of influence and organizations.
• Maintain a pipeline of business leaders and prospects

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 1,001-5,000 employees