Commercial Relationship Manager III

SouthState Bank, N.A.; Greenville (SC); On-site; USD 75,000 - 105,000; Full time

Job summary

SouthState Bank, N.A. is seeking a Commercial Lending professional to assess creditworthiness and structure loan terms at our Greenville, SC location. You will interview applicants, gather financial data, negotiate terms, and manage ongoing loan relationships with customers.

The role requires a Bachelor's degree in business/finance or related field, plus several years in commercial lending. You will work in a fast-paced, confidential environment, supporting cross-functional teams and community

Qualifications

• Strong knowledge of personal computer and Microsoft Office applications.
• Ability to prepare documents and compose business letters and memorandums.
• Maintain confidentiality of customer and employee information.
• Self-starter able to work independently.
• Strong sense of urgency, initiative, and drive.
• Able to work at a faster-than-average pace and multi-task.

Responsibilities

• Interviews loan applicants and analyzes data to determine creditworthiness.
• Establishes and negotiates terms under which credit will be extended.
• Collects and analyzes information reflecting creditworthiness of customers and loans.
• Presents loan requests to executive loan committee for high-value proposals.
• Authorizes or rejects overdrafts within authority.
• Monitors loan repayments and collects past-due accounts.
• Advises customers on business management and financial matters.
• Develops new business by contacting prospects and cross-selling bank services.
• Prepares lending activity reports for management.
• Keeps informed on economic and legislative events affecting lending.
• Participates in community affairs to increase visibility.
• Maintains professional relations to enhance opportunities.
• Performs other assigned duties.

Skills

Personal computer

Microsoft Office

Confidentiality

Self-starter

Sense of urgency

Multitasking

Education

Bachelor's Degree in Business/Finance or related field

Tools

Microsoft Office

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!

Responsibilities

• 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.

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 a 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 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 related field and 3+ years of previous commercial lending experience in a bank or loan setting

Work Location: 200 East Broad Street, Suite 100 Greenville, South Carolina 29601

Equal Opportunity Employer, including disabled/veterans.