Commercial Relationship Manager I

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Spartanburg (SC); Sur place; USD 60 000 - 80 000; Plein temps

Résumé du poste

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION is seeking a Commercial Relationship Manager in Spartanburg, SC. The role involves originating commercial loans and cross-selling bank products. Candidates should have at least a Bachelor’s degree in Business or Finance and 3+ years of commercial lending experience.

The position requires strong analytical skills, the ability to maintain confidentiality, and effective communication with clients. A professional business environment is maintained, with a commitment to the bank's mission.

Qualifications

• Strong knowledge of personal computer and software used in the department.
• Ability to prepare documents and compose business letters.
• Ability to maintain confidentiality of customer and employee information.
• Self-starter, able to work independently and multi-task.
• Strong sense of urgency and initiative.

Responsabilités

• Originate commercial loans and cross-sell bank products.
• Interview loan applicants and analyze financial data.
• Establish and negotiate credit terms.
• Present loan requests to executive loan committees.
• Monitor loan repayment activities and act on past-due accounts.
• Develop new business by contacting prospects and customers.

Connaissances

Microsoft Office

Business letter composition

Multi-tasking

Confidentiality maintenance

Self-starter

Strong sense of urgency

Formation

Bachelor’s Degree in Business or Finance

Description du poste

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.

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, 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 accounts 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.

Skills and 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 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. Must be willing to participate as a team member. Must be committed to the Bank’s mission and goals.

Dimensions

• 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: 320 East Main St, Spartanburg, South Carolina 29302

Equal Opportunity Employer, including disabled/veterans.