Senior Credit Risk Review Officer

South State Bank • Winter Haven, FL

2d

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 lending portfolios, validates loan grading, and communicates findings to management to support positive change.

The officer conducts ongoing monitoring of the most complex commercial loans and typically leads credit process or target reviews of 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 findings to bank stakeholders. The officer attends relevant meetings, mentors less experienced teammates, serves as a subject matter expert, and supports continuous improvement initiatives.

A college degree is preferred, particularly in accounting, finance, or economics, though equivalent experience may be accepted. At least seven years of relevant credit review, commercial lending, underwriting, or portfolio management experience is required. General banking experience, computer literacy, and proficiency in Microsoft Office are also required. Travel may be needed for meetings. The position involves substantial computer use and may occasionally require lifting up to 25 pounds, bending, and reaching. Telecommuting or hybrid arrangements require a secure, quiet home office and reliable private internet connection.

Requirements

• 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.
• Ability to write clearly, concisely, and persuasively.
• Ability to evaluate facts independently and objectively, exercise healthy skepticism, and challenge the status quo.
• Ability to listen and consider others' opinions.
• Ability to make sound decisions, identify potential problems, recommend corrective action, and drive change.
• Strong organization, accuracy, and attention to detail.
• Ability to work independently and demonstrate initiative.
• Leadership presence and ability to interact with senior management and banking stakeholders.
• College degree, preferably in accounting, finance, or economics, or equivalent experience.

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 risk elements or procedures within a portfolio, or elements across portfolios.
• Participate in credit process and target reviews of commercial portfolios at all levels.
• Validate credit and financial information to assess 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 risk-based rankings for assigned universe units.
• Communicate review findings and provide constructive feedback to loan officers, underwriters, portfolio managers, analysts, credit administrators, and other management.
• Manage follow-up items arising from reviews and document their resolution.
• Attend loan committee and other relevant meetings, including periodic meetings with key stakeholders.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior