Commercial Relationship Manager IV - Katy, TX

SouthState Bank•Houston, TX

22h•Onsite

About The Position

The Commercial Relationship Manager IV develops and manages commercial banking relationships and loan and deposit portfolios in a SouthState metro market. The role combines business development, consultative client service, loan underwriting and portfolio management, pricing, regulatory compliance, and collaboration with internal banking partners. The position is based in a private office at 808 Katy Fort Bend Rd., Katy, Texas, and may require some 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 policies relating to lending procedures.
Well-developed sales, interpersonal, and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting and credit skills.
Detail orientation and the ability to prioritize complex work assignments.
Strong analytical skills and the ability to evaluate creditworthiness.
Proficiency with basic office equipment, especially calculators and computers.
Proficiency with Microsoft Word, Excel, and Outlook.

Nice To Haves

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

Responsibilities

Participate in a business development plan to grow the loan and deposit portfolio of commercial clients within a SouthState metro market.
Develop consultative relationships with prospects and clients and provide appropriate banking solutions.
Manage the flow of loan and deposit requests through appropriate channels, ensuring credit quality, responsiveness, structure, and pricing meet client needs and the Bank’s operating objectives.
Collaborate with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
Underwrite loan requests within Bank policies and procedures, ensuring loan packages are accurate and complete before submitting them to the appropriate Credit partner for approval.
Manage and service the assigned loan portfolio.
Ensure required documentation is on file for loans and deposits, and resolve documentation or compliance deficiencies identified by Loan and Deposit Operations or other reviewers.
Partner with Credit to assign appropriate risk grades to loans and adjust grades when circumstances change or new information becomes available.
Price loan and deposit products according to current Bank pricing guidelines, and document justifications for departures from approved pricing regulations.
Demonstrate a commitment to fair lending practices and comply with applicable Bank policies, procedures, and State and Federal regulations governing lending.
Resolve client problems, respond to general inquiries, and provide superior service to existing clients.
Build and maintain positive relationships with centers of influence and others in the community to enhance the Bank’s image and reputation.
Complete required annual compliance training and New Employee Orientation.