Senior Credit Risk Review Officer

SouthState Bank

About The Position

The Senior Credit Risk Review Officer independently evaluates the credit quality and credit processes of South State Bank, N.A. to help the bank operate as a sound and profitable financial institution. The role assesses lending practices and credit-related supervision, identifies unnecessary credit risk in individual loans and loan portfolios, validates the effectiveness of loan grading, and communicates findings to management to support positive change. The officer conducts ongoing monitoring of the bank’s most complex commercial loans and typically leads credit process or target reviews of the most complex commercial portfolios. The position also participates in reviews across commercial portfolios, validates borrower and guarantor credit information and loan documentation, prepares periodic risk assessments, manages review follow-up items, and communicates constructively with stakeholders. The role includes mentoring less experienced teammates, contributing to training, attending relevant meetings, and supporting continuous improvement in the Loan Review function. The position requires a college degree, preferably in Accounting, Finance, or Economics, or equivalent experience, and at least seven years of relevant credit review, commercial lending, underwriting, or portfolio management experience. General banking experience, computer literacy, and proficiency in Microsoft Office are required. Travel may be required for meetings. The job involves substantial computer use and may occasionally require lifting up to 25 pounds, bending, and reaching. For telecommuting or hybrid work, a secure, quiet home office and reliable private internet connection are required.

Requirements

College degree, preferably in Accounting, Finance, or Economics, or equivalent experience.
At least seven years of experience in credit review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management.
General banking experience.
Computer literacy and proficiency in Microsoft Office applications.
Proficient writing skills to communicate clearly, concisely, and persuasively.
Ability to evaluate facts independently and objectively, exercise skepticism, and challenge the status quo.
Ability to listen to and consider others’ opinions.
Sound decision-making skills, including recognizing potential problems and recommending corrective action.
Strong organization, accuracy, and attention to detail.
Ability to work independently and demonstrate initiative.
Leadership presence and ability to interact with senior management and relevant lending and credit stakeholders.
Ability to meet the position’s physical demands, including extensive computer work and occasional lifting of up to 25 pounds, bending, and reaching.

Responsibilities

Conduct comprehensive ongoing monitoring of the most complex commercial loans, assessing credit quality, strategy and credit acquisition planning, underwriting, structure, approval, annual servicing, risk rating, problem loan management, and credit file integrity.
Typically lead credit process or target reviews of the most complex commercial portfolios, selected portfolio risk elements or procedures, or elements across portfolios.
Participate in credit process and target reviews across commercial portfolios and selected risk elements or procedures.
Validate credit and financial information to verify borrower and guarantor creditworthiness and the validity of loan or credit relationship grades.
Validate selected loan and collateral documentation for adequacy, compliance with loan policy, and enforceability.
Prepare periodic risk assessments to validate or revise the risk-based ranking of assigned universe units.
Communicate review findings and constructive feedback to loan officers, underwriters, portfolio managers, analysts, credit administrators, and other management.
Manage follow-up items resulting from reviews and document their resolution.
Attend loan committee and other relevant meetings, including periodic stakeholder touch-base meetings.
Mentor less experienced teammates, serve as a subject matter expert on assigned portfolios, and conduct training as needed.
Support continuous improvement initiatives and develop ideas to advance the effectiveness of the Loan Review function.