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SouthState Bank · 2 days ago

Credit Officer III

Houston, TX

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

SouthState Bank is a trusted financial partner known for its commitment to helping customers move forward. The Credit Officer III is responsible for managing the Bank’s credit risk and analyzing loan requests to ensure sound lending practices while mentoring and coaching team members.

BankingFinanceFinancial ServicesLendingWealth Management

Responsibilities

Read, analyze and synthesize large amounts of information (e.g., spreads, credit memorandums, financial statements, audits, loan documents, leases, appraisal and environmental reports, etc.)

Perform relevant underwriting calculations and financial statement ratios

Know and stay abreast of economic conditions

Determine appropriate loan amounts and credit limits

Coordinate approvals with Relationship Managers

Supervise underwriters to verify correct completion of duties

Approving credits within nCino and maintaining accurate credit files

Follow strict confidentially procedures

Ensure risk ratings are appropriately assigned during the new loan/renewal approval process

Perform duties within established service level agreements (i.e., SLAs)

Coach, mentor and develop staff (i.e., Portfolio Managers)

Drive strict compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines

Assistance other employees by liaising with them through healthy and positive interactions

Participate in marketing endeavors/efforts

Continuously update skills through Bank and third-party training; and

All other tasks, responsibilities or duties, as directed by management

Qualification

Commercial lendingUnderwritingCredit approvalFinancial analysisNCinoAccounting principlesLending regulationsMicrosoft OfficeInterpersonal skillsCommunication skillsAttention to detail

Required

Requires Bachelor's Degree in accounting, economics, finance or a related field; Graduation from a recognized school of banking and/or business-related graduate degrees are a plus

Prior commercial lending, underwriting, and credit approval is highly beneficial

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

Competent to decision deals of advanced complexity, or that required specialized knowledge, arising from multiple market areas

Knowledge of accounting, finance, and lending principles

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

Must have active listening skills (i.e., the ability to listen to others (without interruption), seek genuine understanding, and propose relevant and appropriate ideas)

Strong communication skills (written and verbal)

Composed under pressure

An inclination to lead, organize, and develop within their sphere of influence

Well-organized, accurate, and attentive to detail

Able to type at a pace of roughly 20 words per minute

Proficient with a financial calculator

Proficient with standard office machines, Microsoft Office software suites, and any software that might be utilized in the department

Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank

Able to fluently speak and write in business English (including spelling, grammar, and punctuation)