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Commercial Portfolio Manager I
SouthState Bank. Support the commercial loan and deposit portfolio of one or more Commercial Relationship Managers .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis and portfolio management within commercial banking, ensuring compliance with Federal and State regulations while effectively supporting Relationship Managers. Proficient in financial analysis, loan structuring, and documentation to guide clients through the credit approval process.
Highest-signal resume keywords
Credit AnalysisPortfolio ManagementLoan StructuringFinancial AnalysisRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisFinancial AnalysisLoan StructuringPortfolio ManagementRisk AnalysisCovenant TestingDocumentation ComplianceMicrosoft ExcelMicrosoft WordUnderwriting
Soft Skills
Communication SkillsInterpersonal SkillsAdvisory Skills
Tools & Technologies
CRE Analysis Tools
Industry Keywords
Commercial BankingBusiness BankingFederal RegulationsState RegulationsFair Lending PracticesBSAAMLCIPOFACMiddle Market
About the role
Key responsibilities & impact- Support the commercial loan and deposit portfolio of one or more Commercial Relationship Managers
- Analyze financial information for new loan requests, renewals, and ongoing portfolio management
- Complete industry research supporting existing and prospective customers
- Compile commercial loan packages, including credit memoranda, financial analyses, risk analysis, risk grading, and recommendations
- Perform additional credit analysis using advanced tools when needed, including CRE analysis tools
- Guide loan requests through the Credit Approval Process and ensure structures meet client and Bank objectives
- Ensure large commercial loan relationships comply with State and Federal regulations and Bank policies
- Monitor and service commercial loan portfolios through covenant testing, annual servicing reviews, and exception clearing
- Grade loan risk and recommend adjustments as circumstances change
- Assist Relationship Managers with credit presentations to Credit Administration and Bank committees
- Ensure required loan and treasury management documentation is complete and resolve documentation or compliance deficiencies
- Accompany Relationship Managers on customer calls when requested
- Maintain working relationships with internal business partners, attorneys, appraisers, developers, and other stakeholders
- Undertake special projects and participate in professional training
- Work with Relationship Managers, Credit Administrators, and Loan Assistants to minimize past-due loans
- Serve as a trusted advisor to clients and prospects within the context of risk management
- Maintain compliance with fair lending practices, BSA, AML, CIP, OFAC, and other applicable laws and regulations
- Stay current on the Bank's products and services and perform other assigned duties
Requirements
What you’ll need- Four-year degree in Business Administration, Finance, Accounting or related field, or equivalent experience
- Minimum of 4-6 years of experience in credit analysis, commercial banking, or business banking
- At least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market
- Familiarity with loan structuring and loan documentation
- Knowledge of accounting and lending principles
- In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures
- Proficient in Microsoft Excel and Word
- Excellent oral and written communication skills
- Must be able to stand and/or sit for long periods of time
- Must be able to effectively access and interpret information on computer screens, documents and reports
Benefits
Comp & perks- Professional training and cross-training opportunities
- Annual regulatory and compliance training
- New Employee Orientation
- Reasonable accommodations for individuals with disabilities