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Credit Officer
SouthState Bank. Own all tasks and challenges in the assigned Business Lending Credit Officer position .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial credit analysis and loan review, ensuring compliance with banking regulations and policies while effectively managing credit risk and loan documentation. Strong communication and interpersonal skills facilitate collaboration and negotiation with various stakeholders.
Highest-signal resume keywords
Commercial Credit AnalysisLoan ReviewCredit Risk AssessmentRegulatory ComplianceInterpersonal Skills
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 ApprovalLoan Documentation ReviewCommercial LendingFinancial AnalysisRisk Management
Soft Skills
Excellent Communication SkillsNegotiation SkillsTeam Collaboration
Tools & Technologies
Microsoft WordMicrosoft Excel
Certifications & Qualifications
Annual Compliance Training
Industry Keywords
BankingCommercial LoansCollateral DocumentationService-Level AgreementsBusiness Lending
About the role
Key responsibilities & impact- Own all tasks and challenges in the assigned Business Lending Credit Officer position
- Manage the Company’s credit approval and review activities for centralized business-loan approval
- Ensure loan decisions follow policy guidelines and collateral documentation is adequate
- Maintain ongoing administration and review of the commercial loan portfolio’s quality and profitability
- Assess credit risk and approve or decline loan requests within delegated authority
- Recommend credit requests exceeding delegated authority
- Direct examination of loan documentation for adequacy and completeness
- Assist team members when volume exceeds capacity to meet service-level agreements
- Advise credit and line personnel on lending policy, trends, and recommended policy changes
- Complete special projects as assigned
- Ensure compliance with Bank, State, Federal, and regulatory policies
- Safeguard confidential information according to Bank policies
Requirements
What you’ll need- BS or higher in Business Administration, Finance, Accounting, or related field
- Five or more years of banking experience in commercial credit analysis, commercial loan review, or commercial lending
- Good interpersonal skills
- Good computer skills, including Word and Excel
- Excellent communication skills
- Ability to communicate and negotiate with all levels
- Must maintain a secure, distraction-free home office environment
- Must have a reliable private internet connection not supplied by cellular data
- Must be able to stand and/or sit for long periods
- Must be able to access and interpret information on computer screens, documents, and reports
- Required annual compliance training and New Employee Orientation
Benefits
Comp & perks- Remote work / telecommuting
- Secure home office environment
- Reliable private internet connection; cable or fiber preferred
- Reasonable accommodations for individuals with disabilities
- Required annual compliance training
- New Employee Orientation