Sales Portfolio Specialist

SouthState Bank•Saint Matthews, SC

About The Position

The Sales Portfolio Specialist manages a portfolio of commercial relationships and loans and monitors the financial condition of assigned commercial loans, directly or indirectly, as directed by 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. It also supports customer banking needs, loan renewals, line-of-credit draw requests, letters of credit, and, at times, new loan requests from existing clients. The position works with commercial lenders, Commercial Loan Underwriters (CLUs), Lending Assistants, Credit Administration, and Loan Review to keep files current, process renewals, monitor exceptions and classified loans, and complete reviews and approvals. It may involve accompanying commercial leaders on client calls, attending loan closings, assisting with marketing and projects, and completing other duties as directed. The role requires compliance with bank policies and regulatory guidelines, continued professional training, and a focus on clear communication, accuracy, organization, and customer and coworker support.

Requirements

Preferred 1–3 years of experience in Commercial Credit Analysis, Commercial Loan Underwriting, or other bank experience appropriate to the role.
A bachelor’s degree in business or finance is recommended, or equivalent work experience in a related field.
Knowledge of personal computers, Windows, and Microsoft software applications is required.
Strong analytical skills and the ability to quickly understand and assimilate complex data.
Ability to remain focused and task-oriented; self-starter who requires minimal supervision.
Excellent written and oral communication skills, including clear and effective English writing and speaking.
Proficiency with general office equipment and Microsoft Word, Excel, Outlook, and other departmental software; ability to learn new software.
Strong organization, accuracy, attention to detail, and ability to follow instructions.
Cooperative approach and willingness to assist coworkers and customers regularly.
Effective listening skills and ability to understand others and respond constructively.
Excellent multitasking skills and ability to work well under pressure while remaining composed in response to customer and coworker concerns.
Patient, positive, and willing to help others solve problems.
Ability to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.
Complete required annual compliance training and New Employee Orientation.

Nice To Haves

Bachelor’s degree in business or finance.
1–3 years of experience in Commercial Credit Analysis, Commercial Loan Underwriting, or other appropriate bank experience.

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, including monitoring the Maturing Loans Report, collecting financial statements, completing credit memos, and driving the approval process.
Monitor and collect collateral and financial exceptions and ensure ticklers are cleared promptly, working closely with Lending Assistants.
Work with Credit Administration to ensure annual reviews and renewal packages contain required documents and answered questions for timely completion.
Coordinate with Credit Administration and Loan Review on required 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 in credit origination software.
Periodically accompany a Commercial Relationship Manager, CTL, or AE on calls with existing or prospective clients as requested.
Periodically 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, procedures, code of conduct, and regulatory guidelines.
Support other employees through healthy and positive interactions.
Assist with marketing efforts when requested.
Maintain and develop skills through professional training and cross-training.
Perform other tasks and duties as directed by management.
Support management of commercial relationships and loans, including loan renewals, line-of-credit draw requests, letter-of-credit renewals, and occasional new loan requests from existing clients.
Monitor past-due items, borrowing bases, covenants, and maturity lists.
Work with Lending Assistants and CLUs to keep files current with required financial information.