Sales Portfolio Specialist - Houston, TX

SouthState Bank

1d•Onsite

About The Position

This position is responsible for managing a portfolio of commercial relationships and loans. This includes coordinating with Credit Administration on the collection of financial statements, tax returns, rent rolls, borrowing basis, and annual servicing. It also involves monitoring the financial condition of the assigned commercial loan portfolio, either directly or indirectly, as determined by the Commercial Team Leader (CTL) or Area Executive (AE). The role encompasses servicing client banking needs, processing loan renewals, line of credit draw requests, letter of credit renewals, and occasionally new loan requests from existing clients. Additionally, it requires monitoring and managing past due accounts, borrowing bases, covenant tracking, and maturity lists, and working with Lending Assistants and CLUs to ensure files are kept up-to-date with required financial information. The position supports the CTL or AE in performing specific duties such as contacting customers for required information, providing preliminary feedback on creditworthiness, partnering in the completion of loan renewals, monitoring collateral and financial exceptions, and working with Credit Administration and Loan Review on classified loans. The role may also involve assisting with projects, initiating workflow into credit origination software, accompanying Commercial Relationship Managers on client calls, attending loan closings, and undertaking special projects. Compliance with bank policies, procedures, code of conduct, and regulatory guidelines is essential. The role also involves assisting other employees and marketing efforts, and continuously updating skills through professional training and cross-training.

Requirements

Strong communication skills characterized by excellent writing and speaking skills.
Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department.
Ability to use the computer efficiently and learn new software programs.
Basic English language skills to write (including spelling and punctuation) and speak clearly and effectively.
Well-organized, accurate, and attentive to detail.
Cooperative and willing to assist coworkers and customers.
Effective listening skills.
Excellent multi-tasking skills and ability to function well under pressure.
Ability to remain composed under pressure and respond to customer and coworker concerns.
Keen eye for detail and ability to follow instructions.
Patient and willing to help others in solving problems while maintaining a positive attitude.
Knowledge of personal computer, Windows and Microsoft software applications.
Strong analytical skills.
Quick study and assimilation of complex data.
Ability to remain focused and task-oriented.
Excellent written and oral communication skills.
Attention to Detail.
Self-Starter who requires minimal supervision.
Bachelor’s Degree in business or finance is recommended, or equivalent work experience in related field.
1-3 years preferred experience in Commercial Credit Analysis, Commercial Loan Underwriting, or other bank experience.
Required annual compliance training, New Employee Orientation.

Nice To Haves

Knowledge of personal computer, Windows and Microsoft software applications is required.
Strong analytical skills.
Quick study and assimilation of complex data.
Ability to remain focused and task oriented.
Excellent written and oral communication skills.
Attention to Detail.
Self-Starter who requires minimal supervision.

Responsibilities

Manage a portfolio of commercial relationships and loans.
Coordinate with Credit Administration for the collection of financial statements, tax returns, rent rolls, borrowing basis, and annual servicing.
Monitor the financial condition of the assigned commercial loan portfolio.
Service client banking needs of all kinds.
Process loan renewals, line of credit draw requests, and letter of credit renewals.
Process new loan requests from existing clients.
Monitor and manage past due accounts, borrowing base, covenant tracking, and maturity lists.
Work with Lending Assistants and CLUs to ensure files are up-to-date with required financial information.
Contact customers and their designees for collection of required information.
Provide preliminary feedback on customer creditworthiness and loan renewal merits.
Partner with Commercial Lenders and CLUs in the completion of commercial loan relationship renewals.
Monitor the Maturing Loans Report, collect financial statements, complete credit memos, and drive the approval process.
Ensure collateral and financial exceptions are monitored, collected, and ticklers cleared in a timely manner.
Work with Credit Administration to ensure annual reviews and renewal packages have all needed documents.
Work closely with Credit Administration and Loan Review on monitoring and reporting of Classified Loans.
Assist Loan Review when requested by Credit Administration.
Assist the CTL or AE with projects and normal workflow, including initiating workflow into credit origination software.
Periodically accompany a Commercial Relationship Manager, CTL, or AE on calls with existing and/or prospective clients.
Periodically attend loan closings.
Undertake special projects related to job function.
Ensure compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines.
Assist other employees through healthy and positive interactions.
Assist with marketing endeavors/efforts, when requested.
Continuously update skills by participating in professional training.
Seek opportunities to improve skills through cross-training.
Perform all other tasks, responsibilities, or duties, as directed by management.