CRE Relationship Manager I

South State Bank•Augusta, GA

3d•Hybrid

About The Position

The Commercial Real Estate Relationship Manager I is responsible for managing an assigned portfolio of commercial real estate loans and deposits, providing superior client service, and developing new business through sales efforts. This role involves analyzing financial information to assess creditworthiness, compiling accurate loan packages, and cross-selling additional bank products and services. Success is measured by efficacy in calling activity, proposal generation, revenue generation, and risk mitigation, with an emphasis on building strong internal and external relationships.

Requirements

A Bachelor’s degree in business, finance, banking, or related field is required.
Minimum of 3-5 years commercial real estate lending and/or portfolio management experience.
Experience should include previous loan structuring and credit analysis responsibilities.
Extensive knowledge of all Bank products, services, procedures, and practices.
In-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures.
Deep knowledge of construction loan servicing, permanent loan requirements, exit strategies, tenant analysts, CRE market research, construction cost, appraisal analysis and lease reviews.
Well-developed sales, interpersonal and negotiating skills.
Excellent written and verbal communication skills are necessary.
Basic accounting and credit skills.
Detail oriented and possess the proven ability to prioritize complex work assignments.
Proven analytical skills and the ability to evaluate credit worthiness are needed.
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

Take ownership of all tasks and challenges encountered in the operation of the assigned position.
Develop new business through sales efforts.
Manage a complex loan and deposit commercial real estate portfolio providing superior client service.
Analyze financial information to evaluate the credit worthiness of loan requests.
Compile loan packages ensuring completeness and accuracy of information provided.
Sell and cross-sell additional products and services of the Bank.
Ensure all loans follow State and Federal regulations and Bank policies and procedures.
Actively participate in a business development plan to increase their loan and deposit portfolio of commercial real estate clients within a designated SouthState 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.