Commercial Relationship Manager IV

SouthState Bank • Atlanta, GA

5d • Onsite

About The Position

The Commercial Relationship Manager IV develops new business through sales efforts in a SouthState metropolitan market and manages an entry-level commercial loan and deposit portfolio while delivering superior client service. The role evaluates the creditworthiness of loan requests, prepares complete and accurate loan packages, and sells or cross-sells the Bank’s products and services. It ensures loans comply with applicable state and federal regulations and Bank policies. Success is measured by calling activity, proposal and revenue generation, risk mitigation, and the ability to build strong internal and external relationships.

The role develops business with commercial clients, manages loan and deposit requests and assigned portfolios, underwrites within Bank guidelines, coordinates with Credit and other Bank partners, and maintains required documentation. It also addresses client inquiries, supports fair lending, and builds community relationships that enhance the Bank’s image. The position is based in a private office in Atlanta, Georgia, and may require occasional travel.

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.
• 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.
• Attention to detail and demonstrated ability to prioritize complex work assignments.
• Analytical skills and ability to evaluate creditworthiness.
• Proficiency with basic office equipment, particularly calculators and computers, and with Microsoft Word, Excel, and Outlook.
• Ability to access and interpret information on computer screens and in 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 grow the commercial loan and deposit portfolio in a SouthState metropolitan market.
• Develop consultative relationships with prospective and existing clients and provide appropriate banking solutions.
• Manage loan and deposit requests through appropriate channels, balancing credit quality, responsiveness, structure, pricing, client needs, and Bank operating objectives.
• Collaborate with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
• Underwrite loan requests within 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 loans and deposits and resolve documentation or compliance deficiencies identified by Operations or other review.
• Partner with Credit to assign appropriate risk grades and update them when circumstances or information change.
• Price loan and deposit products according to Bank guidelines and document circumstances supporting any departure from approved pricing regulations.
• Demonstrate commitment to fair lending and remain knowledgeable of laws and regulations governing lending activities.
• Comply with applicable Bank policies and procedures and state and federal regulations.
• Resolve client problems, assist with 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.

What This Job Offers

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