CRE Relationship Manager II

Southstate Bank • Jacksonville, FL

2d • Onsite

About The Position

The Commercial Real Estate Relationship Manager II develops new business through sales efforts and manages a complex commercial real estate loan and deposit portfolio while providing superior client service. The role analyzes financial information to evaluate creditworthiness, prepares complete and accurate loan packages, sells and cross-sells bank products and services, and ensures loans comply with applicable regulations and bank policies. Success is measured by calling activity, proposal and revenue generation, risk mitigation, and the ability to build effective internal and external relationships.

The position serves commercial real estate prospects and clients in an assigned SouthState market. It develops consultative relationships, coordinates loan and deposit requests through appropriate channels, underwrites loan requests within bank guidelines, and collaborates with credit and other banking teams. The manager also services the assigned portfolio, monitors risk grades, ensures required documentation is on file, and resolves client questions and problems.

The role requires a bachelor's degree in business, finance, banking, or a related field and at least 10 years of commercial real estate lending and/or portfolio management experience, including loan structuring and credit analysis. The position is based in a private office in Jacksonville, Florida, involves substantial computer use, and may require occasional travel.

Requirements

• Bachelor's degree in business, finance, banking, or a related field.
• At least 10 years of commercial real estate lending and/or portfolio management experience, including 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.
• Deep knowledge of construction loan servicing, permanent loan requirements, exit strategies, tenant analysis, commercial real estate market research, construction costs, appraisal analysis, and lease reviews.
• Well-developed sales, interpersonal, and negotiating skills.
• Excellent written and verbal communication skills.
• Basic accounting and credit skills.
• Strong attention to detail and ability to prioritize complex work assignments.
• Proven 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 effectively access and interpret information on computer screens, documents, and reports.
• Ability to spend substantial time using a computer; work may be performed sitting or standing with an appropriate desk.

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 a commercial real estate loan and deposit portfolio in an assigned SouthState 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 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 reviews.
• Partner with Credit to assign appropriate risk grades and update them when circumstances or new information warrant.
• Price loan and deposit products according to current bank guidelines and document circumstances that justify pricing departures.
• Demonstrate commitment to fair lending and remain knowledgeable about laws and regulations governing financial institution lending.
• Comply with applicable bank policies, procedures, and state and federal regulations.
• Resolve client problems and 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: Mid Level