Commercial Relationship Manager I

SouthState Bank; Spartanburg (SC); On-site; USD 60,000 - 80,000; Full time

Job summary

A regional financial institution is seeking a Commercial Relationship Manager in Spartanburg, SC. The role involves interviewing loan applicants, analyzing financial information to determine creditworthiness, and managing business relationships. Ideal candidates must have a Bachelor's degree in Business or Finance and 3+ years of commercial lending experience, along with proficiency in Microsoft Office and strong interpersonal skills. This position offers the opportunity to engage with clients and enhance community relations.

Qualifications

• Requires strong knowledge of personal computer and Microsoft Office.
• Must maintain confidentiality of customer and employee information.
• 3+ years of previous commercial lending experience in a bank or loan setting.

Responsibilities

• Interviews loan applicants to determine creditworthiness.
• Negotiates terms for extending credit including costs and repayment.
• Monitors loan repayment activities and collects from past-due accounts.

Skills

Strong knowledge of personal computer

Microsoft Office proficiency

Ability to maintain confidentiality

Strong sense of urgency

Multi-tasking ability

Education

Bachelor’s Degree in Business or Finance

Job description

Overview

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!

Position: Commercial Relationship Manager

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 and Skills

• 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 Bank’s mission and goals.

Education, Experience, and Location

• 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: 320 East Main St Spartanburg, South Carolina 29302

Equal Opportunity Employer, including disabled/veterans.