Commercial Relationship Manager IV - Katy OR Sugar Land, TX

SouthState Bank•Houston, TX

4d•Onsite

About The Position

SouthState is hiring a Commercial Relationship Manager IV to grow and manage a portfolio of commercial clients in the Katy or Sugar Land, Texas market. The role develops consultative relationships with prospects and clients, provides appropriate banking solutions, and manages loan and deposit requests in line with client needs, credit quality, and the Bank’s operating objectives. The position underwrites and services commercial loans, manages assigned loan portfolios, ensures complete documentation, partners with Credit on risk grading, and prices loan and deposit products according to Bank guidelines. It also involves resolving client inquiries, providing superior service, collaborating with internal banking teams, and building community relationships that support the Bank’s reputation. The role requires compliance with applicable Bank policies and state and federal regulations, including fair lending practices. The position is based in a private office at the stated Katy work location and may require occasional travel. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Requirements

Bachelor’s degree in business, finance, banking, or a related field.
At least 10 years of commercial lending or portfolio management experience.
Experience with loan structuring and credit analysis responsibilities.
Extensive knowledge of Bank products, services, procedures, and practices.
In-depth knowledge of federal and state lending regulations and Bank lending policies and procedures.
Well-developed sales, interpersonal, and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting and credit skills.
Detail oriented, with the ability to prioritize complex work assignments.
Proven analytical skills and ability to evaluate creditworthiness.
Proficiency with basic office equipment, particularly calculators and computers.
Proficiency with Microsoft Word, Excel, and Outlook.
Ability to access and interpret information on computer screens, documents, and reports.

Nice To Haves

Graduation from a recognized school of banking.
Familiarity with the local business community.

Responsibilities

Participate in a business development plan to increase the loan and deposit portfolio of commercial clients within a SouthState metro market.
Develop consultative relationships with prospects and clients and deliver appropriate banking solutions.
Manage loan and deposit requests through appropriate channels, ensuring credit quality, responsiveness, structure, and pricing meet client needs and Bank operating objectives.
Collaborate with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
Underwrite loan requests in accordance with Bank policies and procedures and submit accurate, complete loan packages to the appropriate Credit partner for approval.
Manage and service the assigned loan portfolio.
Ensure required documentation is on file for all loans and deposits.
Clear documentation or compliance deficiencies identified by Loan and Deposit Operations or other review.
Partner with Credit to assign appropriate risk grades to loans and adjust grades as circumstances or information change.
Price loan and deposit products according to current Bank pricing guidelines.
Document credit quality, competitive factors, or relationship circumstances that justify departures from approved Bank pricing regulations.
Demonstrate a commitment to fair lending practices.
Remain knowledgeable about laws and regulations governing financial institution lending activities.
Comply with applicable Bank policies and procedures and state and federal regulations.
Resolve client problems and assist with general inquiries.
Provide superior service to existing clients.
Build and maintain positive working relationships with centers of influence and others in the community to enhance the Bank’s image and reputation.