Commercial Portfolio Manager

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Town of Charleston (NY); On-site; USD 85,000 - 120,000; Full time

Job summary

SouthState Bank, National Association seeks a Commercial Portfolio Manager II to lead underwriting and portfolio management for commercial, CRE, or middle-market relationships at the Charleston office. You will ensure accuracy, policy compliance, and superior client service.

You will analyze financial data, prepare credit memos, monitor covenants, present to Credit Officers and committees, and guide loan requests through approvals while maintaining strong internal partnerships and a focus on

Qualifications

• Bachelor-level education in business/finance or related field is required or equivalent experience.
• Minimum 4–6 years in credit analysis, commercial banking, or business banking with at least 2 years of portfolio management or underwriting experience.
• Strong knowledge of loan structuring, documentation, and lending regulations.

Responsibilities

• Support commercial loan and deposit portfolio underwriting, portfolio management, and client service.
• Analyze financial information to evaluate creditworthiness for new and renewed loans.
• Prepare and present credit memos and risk analysis for approvals.
• Assemble loan packages with complete documentation and underwriting analysis.
• Monitor covenant testing, servicing, and regulatory compliance for large portfolios.
• Assist Relationship Manager with credit presentations to Credit Officers and committees.
• Build and maintain relationships with internal partners and clients.

Skills

Credit analysis

Portfolio management

Communication

Excel

Word

Attention to detail

Interpersonal skills

Multitasking

Education

Four-year degree in Business Administration, Finance, Accounting, or related field

Tools

Microsoft Excel

Microsoft Word

Job description

Commercial Portfolio Manager II

Location: 46 Broad Street Charleston, South Carolina 29401.

Responsibilities

• Supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial, CRE or Middle Market) by providing quality underwriting, sound portfolio management, and superior client service.
• Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal requests, and ongoing portfolio management activities within bank policies and procedures.
• Completes industry research as needed, supporting existing and new customers.
• Compiles commercial loan packages (non‑BL and BLE) ensuring completeness and accuracy; includes a written credit memo, financial analysis, risk grading, and recommendation.
• Performs additional credit analysis using in‑depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tool).
• Guides loan requests through the Credit Approval Process, ensuring structure meets client needs and bank objectives.
• Ensures large commercial loan relationships comply with state and federal regulations and bank policies.
• Monitors and services large commercial loan portfolios through covenant testing, annual servicing review, and exception clearing.
• Grades risk of each loan per policy and recommends adjustments as circumstances change.
• Assists Relationship Manager with credit presentations to Credit Officer and other leaders and committees.
• Ensures all required documentation is in file for loans and treasury approvals.
• Works with the Relationship Manager and Loan Assistant to clear documentation or compliance deficiencies.
• Accompanies the Relationship Manager on calls with existing and prospective customers.
• Builds and maintains positive relationships with internal business partners (Loan Operations, Credit Officers, etc.).
• Undertakes special projects related to job function as directed by Credit Administration Leadership.
• Continuously updates skills via professional training and cross‑training offered by the Bank.
• Works to minimize past‑due loans.
• Serves as a trusted advisor to clients and prospects within the context of risk management.
• Demonstrates commitment to fair lending practices and stays knowledgeable of all applicable laws, regulations, and bank policies.
• Assists in compliance with regulatory requirements including BSA, AML, CIP, and OFAC.

Qualifications

• Education: Four‑year degree in Business Administration, Finance, Accounting, or related field; graduation from a recognized school of banking is an asset or equivalent experience.
• Experience: Minimum 4–6 years in credit analysis, commercial banking, or business banking with at least 2 years of portfolio management or underwriting experience.
• Familiarity with loan structuring and documentation required.
• In‑depth knowledge of federal and state lending regulations and bank lending procedures.
• Excellent oral and written communication skills.
• Proficient in Microsoft Excel and Word; strong organizational skills; high attention to detail.
• Excellent interpersonal skills, effective listening, multitasking abilities, and ability to remain composed under pressure.

Training Requirements

• South State Bank credit policies, procedures, and underwriting standards.
• Annual regulatory and compliance training.
• Additional training as needed.
• Continuously updates skills through professional training and cross‑training offered by the Bank.

Supervisory Responsibility

None.

Physical Demands

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.

Travel

This position does not require travel.

Equal Opportunity Employer

Equal Opportunity Employer, including disabled/veterans.