Commercial Relationship Manager III

SouthState Bank, N.A.; Atlanta (GA); On-site; USD 80,000 - 120,000; Full time

Job summary

SouthState Bank, N.A. seeks a Commercial Relationship Manager to originate commercial loans and cross-sell bank products to commercial accounts in the Atlanta area.

Incumbents are expected to meet or exceed production goals while maintaining the bank's standards for credit quality and customer service. The role requires strong analytical skills and effective communication with clients and internal teams.

Qualifications

• Bachelor's Degree in Business, finance or equivalent.
• 3–5 years of commercial lending experience.
• Proven ability to originate loans and cross-sell services.
• Strong analytical and credit evaluation skills.

Responsibilities

• Interviews loan applicants and analyzes data to assess creditworthiness.
• Negotiates loan terms, costs, repayment schedules and collateral.
• Collects and analyzes financial data to support loan decisions.
• Parses loan requests for executive loan committee when threshold exceeded.
• Monitors repayment activities and takes collection actions.
• Advises customers on business management and financial matters.
• Develops new business by contacting prospects and cross-selling services.
• Prepares lending activity reports for management.
• Maintains awareness of economic conditions affecting lending.
• Engages in community affairs to increase bank visibility.

Skills

PC Proficiency

MS Office

Confidentiality

Self-starter

Urgency & drive

Multi-tasking

Education

Bachelor's Degree in Business/Finance

Job description

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!

A Commercial Relationship Manager is responsible for originating commercial loans and for cross‑selling bank products to commercial accounts. Incumbents are expected to meet or exceed production goals.

Principal Accountabilities

• Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements.
• Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means.
• Parses loan requests to the executive loan committee when the proposed loan dollar volume exceeds the department's lending authority.
• Authorizes or rejects overdrafts in depository account within established authorities.
• Monitors loan repayment activities and takes necessary action to collect from past‑due accounts.
• Advise customers, where possible, concerning business management and financial matters.
• Serves as a contact officer for non‑borrowing accounts and loan customers for matters relating to other bank services.
• Develops new business by contacting prospects and customers, cross‑selling bank services.
• Prepares lending activity reports for department management.
• Keeps abreast of local and national economic, financial, political and legislative events and climates that could impact corporate and commercial lending activities.
• Participates in community affairs to increase the bank's visibility and to enhance new business opportunities.
• Maintains professional and community relations to increase the bank's visibility and new business opportunities, and to further personal development.
• Performs other specifically assigned duties.

Other Skills/Qualifications

• Requires strong knowledge of personal computer, Microsoft Office, and other software used in the department.
• Must be able to prepare documents and compose business letters and memorandums.
• Must be able to maintain confidentiality of customer and employee information.
• Must be a self‑starter and able to work independently.
• Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
• Must be able to work at a faster‑than‑average pace and be able to multi‑task.

Work Environment

Must be accustomed to a professional, business‑office environment in manner and dress. Must demonstrate excellent human‑relation skills with customers and bank associates, be willing to participate as a team member and be committed to the bank's mission and goals.

Dimensions Required

• Provides commercial loans in compliance with the bank's policies and procedures.
• Bachelor's Degree in Business, finance or equivalent work experience in a related field and 3–5 years of previous commercial lending experience in a bank or loan setting.

Work Location: 3475 Piedmont Rd NE Suite 1900 Atlanta, Georgia 30305

Equal Opportunity Employer, including disabled/veterans.