Commercial Relationship Manager IV

SouthState Bank•St. Petersburg, PA

3d•Hybrid

About The Position

The Commercial Relationship Manager IV is responsible for taking ownership of all tasks and challenges encountered in the operation of their assigned position. This role involves developing new business through sales efforts in a South State metropolitan market, managing a complex loan and deposit portfolio with superior client service, and analyzing financial information to evaluate credit worthiness. The position requires compiling loan packages, selling and cross-selling bank products and services, and ensuring compliance with all State and Federal regulations and Bank policies. Success is measured by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, and the ability to build successful internal and external relationships.

Requirements

A Bachelor’s degree in business, finance, banking, or related field is required.
Minimum of 2-5 years commercial lending or portfolio management experience.
Experience should include previous loan structuring and credit analysis responsibilities.
Extensive knowledge of all Bank products, services, procedures, and practices.
Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures.
Must have well-developed sales, interpersonal and negotiating skills.
Excellent written and verbal communication skills are necessary.
Must have basic accounting and credit skills.
Must be detail oriented and possess the proven ability to prioritize complex work assignments.
Proven analytical skills and the ability to evaluate credit worthiness are needed.
Must be proficient in the use of basic office equipment with an emphasis on calculator and computer.
Proficiency in the use of Microsoft Word Excel, Outlook is necessary.
Required annual compliance training, New Employee Orientation.

Nice To Haves

Graduation from a recognized school of banking is an asset.
Familiarity with the local business community is strongly preferred.

Responsibilities

Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a South State metro market.
Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions.
Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meeting the needs of the client and the operating objectives of the Bank.
Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
Underwrite loan requests within the parameters of the Bank’s policies and procedures.
Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval.
Manage and service assigned loan portfolio.
Ensure that all required documentation is in file for all loans and deposits.
Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review.
Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available.
Price each loan and deposit product according to current Bank pricing guidelines.
Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations.
Demonstrate a commitment to fair lending practices.
Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions.
Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
Resolve client problems and assists with general inquiries.
Provide superior service to existing clients.
Builds and maintains a positive working relationship with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace.