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SouthState Bank · 10 hours ago

Commercial Portfolio Manager Team Lead

Spring, TX

Full-time

Hybrid

Senior Level

5+ years exp

SouthState Bank is a trusted financial partner known for its commitment to helping customers move forward. The Commercial Portfolio Manager Team Lead manages a team of Commercial Portfolio Managers and is responsible for supporting commercial loan portfolios, ensuring compliance with regulations, and analyzing financial information for credit worthiness.

BankingFinanceFinancial ServicesLendingWealth Management

Responsibilities

Manages and leads team of Portfolio Managers. These responsibilities include training, coaching and developing teammates

Reviews and decisions Annual Servicing Reviews and other requests within designated loan authority

Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures

Completes industry research, as needed, supporting existing and new Customers to the Bank

Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation

Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool)

Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank

Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures

Monitors and services the large commercial loan portfolios of the supported Relationship Managers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing

Properly grades risk of each loan in the assigned portfolio, per policy. Recommends adjustments to risk grades as circumstances change or new information becomes available

Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank

Ensures that all required documentation is in file for all loans and treasury management approvals. Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review

Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested

Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.)

Undertakes special projects related to job function as determined by Credit Administration Leadership

Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank

Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans

As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management

Demonstrates a commitment to fair lending practices. Remains knowledgeable of all laws and regulations governing the lending activities of financial institutions. Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations

Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace

Stays abreast of products and services the Bank is providing

Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws

Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti- Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities

Qualification

Commercial banking experiencePortfolio managementLending regulationsFinancial analysisTeam leadershipProficient in Microsoft ExcelEffective listening skillsMulti-tasking skillsInterpersonal skillsOrganization skills

Required

Four-year degree in Business Administration, Finance, Accounting or related field; Graduation from a recognized school of banking is an asset or equivalent experience

Minimum of five years of experience in commercial banking, business banking and/or portfolio management

Knowledge in accounting and lending principles

Excellent oral and written communication skills

In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures

Excellent interpersonal skills

Proficient in Microsoft Excel and Word

Strong organization skills

High attention to detail

Cooperative and willing to assist coworkers and customers on a regular basis

Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others

Possesses multi-tasking skills and be able to function well under pressure

Ability to remain composed under pressure and respond to customer and coworker concerns regularly

Patience and willingness to help others in solving problems while maintaining a positive attitude