Sales Portfolio Specialist

Southstate Bank•Matthews, NC

About The Position

This position manages a portfolio of commercial relationships and loans and supports the Commercial Team Leader (CTL) or Area Executive (AE). The role coordinates with Credit Administration to collect financial statements, tax returns, rent rolls, borrowing bases, and annual servicing materials, and monitors the financial condition of assigned commercial loans. It also services client banking needs, processes loan renewals and line-of-credit draw requests, renews letters of credit, and may handle new loan requests from existing clients. The role monitors past-due accounts, borrowing bases, covenants, and maturities, and works with Lending Assistants and CLUs to keep files current with required financial information. The position may be located in a cubicle environment that can be loud during the day. It involves substantial computer use and may be performed sitting or standing with an appropriate desk. For telecommuting arrangements, whether hybrid or fully remote, a secure home office free of background noise and distractions and a reliable private internet connection not supplied by cellular data are required; cable or fiber is preferred. Travel may be required for meetings.

Requirements

Bachelor’s degree in business or finance is recommended, or equivalent work experience in a related field.
1–3 years of experience preferred in Commercial Credit Analysis, Commercial Loan Underwriting, or other bank experience appropriate to the role.
Knowledge of personal computers, Windows, and Microsoft software applications.
Strong analytical skills and the ability to assimilate complex data quickly.
Strong written and oral communication skills, including clear, effective English writing and speaking.
Proficiency with general office equipment and programs, including Microsoft Word, Excel, Outlook, and other departmental software.
Ability to use a computer efficiently and learn new software programs as they are introduced.
Strong organization, accuracy, and attention to detail; ability to follow instructions carefully.
Ability to multitask, remain focused and task-oriented, and function well under pressure.
Effective listening skills and the ability to understand others and contribute solutions based on their input.
Cooperative, patient, and helpful approach when assisting coworkers and customers, while maintaining a positive attitude.
Ability to remain composed under pressure and respond to customer and coworker concerns.
Self-starter who requires minimal supervision.
Complete required annual compliance training and New Employee Orientation.
Ability to access and interpret information on computer screens, documents, and reports, and identify customers.
For telecommuting, ability to maintain a secure, quiet home office and reliable private internet connection that is not based on cellular data.

Responsibilities

Contact customers and their designees, such as CPAs, to collect required information, including financial statements.
Provide preliminary feedback to the CTL or AE on existing customers’ creditworthiness and the merits of proposed loan renewals.
Partner with Commercial Lenders and CLUs to complete commercial relationship renewals as directed by the CTL or AE, including monitoring the Maturing Loans Report, collecting financial statements, completing credit memos, and driving the approval process.
Monitor collateral and financial exceptions, collect required items, and clear ticklers promptly in coordination with Lending Assistants.
Work with Credit Administration to ensure annual reviews and renewal packages contain the necessary documents and answers for timely completion.
Work with Credit Administration and Loan Review on required monitoring and reporting of classified loans, and assist Loan Review when requested by Credit Administration.
Assist the CTL or AE with projects and normal workflow, including initiating workflow in credit origination software.
Periodically accompany a Commercial Relationship Manager, CTL, or AE on calls with existing or prospective clients as requested.
Attend loan closings with a Commercial Relationship Manager, CTL, or AE as needed.
Undertake special projects related to the job function as directed by the CTL, AE, Community President, or Regional President.
Comply with the Bank’s policies and procedures, code of conduct, and regulatory guidelines.
Support coworkers through positive, constructive interactions.
Assist with marketing efforts when requested.
Maintain and develop skills through professional training and cross-training offered by the Bank.
Perform other tasks, responsibilities, or duties as directed by management.