Commercial Relationship Manager III

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; South Carolina; On-site; USD 70,000 - 90,000; Full time

Job summary

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION in Greenville, South Carolina is looking for a Commercial Relationship Manager responsible for originating commercial loans and cross-selling bank products. The role requires overseeing loan applicants, negotiating terms, and maintaining customer relations.

Candidates should hold a Bachelor's Degree in Business or Finance and have over three years of commercial lending experience. This position offers a challenging work environment and opportunities for professional growth.

Qualifications

• 6+ years of commercial lending experience in a bank or loan setting.
• Strong analytical skills for assessing creditworthiness.
• Ability to negotiate terms for loans.

Responsibilities

• Interview loan applicants and analyze financial data.
• Negotiate terms for extending credit.
• Monitor loan repayment activities and collect from past-due accounts.
• Prepare reports on lending activity for management.

Skills

Knowledge of Microsoft Office

Ability to prepare business documents

Confidentiality maintenance

Self-starter

Strong sense of urgency

Multi-tasking ability

Education

Bachelor's Degree in Business or Finance

Job description

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, schedule, and collateral requirements.
• Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans, obtaining information through direct inspection, interim financial reports, personal interview, and other means.
• Prepares and 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 accounts within established authorities.
• Monitors loan repayment activities and takes necessary action to collect from past‑due accounts.
• Advices customers, where possible, concerning business management and financial matters.
• Serves as the contact officer for non‑borrowing accounts and loan customers for matters relating to other bank services.
• Develops new business by contacting prospects and customers and cross‑selling bank services.
• Prepares lending activity reports for department management.
• Keeps abreast of local and national economic, financial, political, and legislative events that could impact corporate and commercial lending activities.
• Participates in community affairs to increase the bank’s visibility and enhance new business opportunities.
• Maintains professional and community relations to increase visibility and new business opportunities, and to further personal development.
• Performs other specifically assigned duties.

Other Skills & Qualifications

• Strong knowledge of personal computers, Microsoft Office, and other software used in the department.
• Ability to prepare documents and compose business letters and memorandums.
• Maintenance of confidentiality of customer and employee information.
• Self‑starter capable of working independently.
• Strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people.
• Ability to work at a faster than average pace and multi‑task.

Work Environment

• Accustomed to a professional, business office environment in manner and dress.
• Demonstrates excellent human relation skills with customers and bank associates.
• Willingness to participate as a team member.
• Commitment 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 a 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.