Commercial Relationship Manager II

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Town of Canton (NY); Vor Ort; USD 70.000 - 100.000; Vollzeit

Zusammenfassung

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION in Canton, New York is seeking a commercial lending professional with a minimum of 5-10 years of experience. The role entails managing a portfolio and developing new business in a metropolitan market, while ensuring compliance with regulations.

Candidates should possess a Bachelor’s degree, strong analytical skills, and a proactive approach to sales. Join us in fostering valuable client relationships and contributing positively to the community.

Qualifikationen

• Minimum of 5-10 years of commercial lending experience with loan structuring and credit analysis.
• Extensive knowledge of Bank products, services, procedures, and practices.
• Must have well-developed sales, interpersonal, and negotiating skills.

Aufgaben

• Develop new business through sales efforts in a metropolitan market.
• Manage a high-level loan and deposit portfolio.
• Ensure compliance with State and Federal regulations.

Kenntnisse

Sales

Interpersonal Skills

Negotiating

Detail Oriented

Analytical Skills

Communication

Basic Accounting

Ausbildung

Bachelor’s degree in business, finance, banking or related field

Tools

Microsoft Word

Excel

Outlook

Jobbeschreibung

SouthState Story

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

Summary / Objectives

• Has responsibility for developing new business through sales efforts in a SouthState metropolitan market.
• Manages a high level loan and deposit portfolio providing superior client service.
• Analyzes financial information to evaluate the credit worthiness of loan requests.
• Compiles loan packages ensuring completeness and accuracy of information provided.
• Sells and cross-sells additional products and services of the Bank.
• Assures that all loans are in compliance with State and Federal regulations and Bank policies and procedures.
• Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships internally and externally.

Essential Functions

• Actively participates in a business development plan to increase loan and deposit portfolio of commercial clients within a SouthState metro market.
• Develop consultative relationships with prospects and clients in order to add value by delivering appropriate banking solutions.
• Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure and pricing meet the needs of the client and the operating objectives of the Bank.
• Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth and Retail Underwrite loan requests within the parameters of the Bank’s policies and procedures.
• Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval.
• Manage and service assigned loan portfolio.
• Ensure all required documentation is in file for all loans and deposits.
• Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review.
• Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available.
• Price each loan and deposit product according to current Bank pricing guidelines.
• Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations.
• Demonstrate a commitment to fair lending practices.
• Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions.
• Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
• Resolve client problems and assist with general inquiries.
• Provide superior service to existing clients.
• Build and maintain a positive working relationship with COIs and others in the community to enhance the Bank’s image and reputation in the marketplace.

Qualifications, Education, and Certification Requirements

• Education: A Bachelor’s degree in business, finance, banking or related field is required. Graduation from a recognized school of banking is an asset.
• Experience: Minimum of 5-10 years commercial lending experience; Experience should include previous loan structuring and credit analysis responsibilities.
• Knowledge: Extensive knowledge of all Bank products, services, procedures and practices; Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.
• Skills: Must have well-developed sales, interpersonal and negotiating skills. Excellent written and verbal communication skills are necessary. Must have basic accounting and credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficiency in the use of Microsoft Word, Excel, Outlook is necessary.

Training Requirements / Classes

• Required annual compliance training; New Employee Orientation.

Physical Demands

Must be able to effectively access and interpret information on computer screens, documents, reports. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.

Work Environment

This position is located in a private office. The position is located inside a cooled and heated facility with ability to go to a break room or rest room during breaks.

Travel

This position may require some travel from time to time.

Work Location

1925 Marietta Highway Canton, Georgia 30114

Equal Opportunity Employer

Equal Opportunity Employer, including disabled/veterans.