Commercial Relationship Manager III

SouthState Bank; Atlanta (GA); On-site; USD 65,000 - 85,000; Full time

Job summary

A well-established financial institution in Atlanta is seeking a Commercial Lending Officer to evaluate loan applications and determine creditworthiness. You will negotiate loan terms, monitor repayments, and assist customers with financial advice. The ideal candidate has 3-5 years of commercial lending experience and a Bachelor's degree in Business or Finance. This role emphasizes community involvement and developing new business opportunities. Competitive benefits and a commitment to individual growth are offered.

Qualifications

• 3-5 years of previous commercial lending experience in a bank or loan setting.
• Must maintain confidentiality of customer and employee information.
• Strong sense of urgency and initiative.

Responsibilities

• Interviews loan applicants to determine creditworthiness.
• Negotiates terms for extending credit, including repayment schedules.
• Monitors loan repayment activities and collects from past-due accounts.
• Develops new business by contacting prospects.
• Participates in community affairs for business opportunities.

Skills

Strong knowledge of personal computer and Microsoft Office

Ability to prepare documents and business letters

Must be a self-starter and able to work independently

Ability to multi-task

Excellent human relation skills

Education

Bachelor’s Degree in Business, finance or equivalent work experience

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!

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.
• Presents 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‑sells bank services.
• Prepares lending activity reports for department management.
• Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on 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 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 able to multi‑task.

Work Environment

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