Commercial Relationship Manager III

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Wilmington (NC); On-site; USD 60,000 - 80,000; Full time

Job summary

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION is seeking a Commercial Relationship Manager in Wilmington, North Carolina. The successful candidate will be responsible for originating commercial loans and cross-selling bank products. This role requires knowledge of financial analysis and excellent interpersonal skills.

The ideal applicant must have a Bachelor’s Degree in Business or Finance and 3-5 years of relevant experience. Join a dynamic team committed to achieving the bank's mission and goals.

Qualifications

• Strong knowledge of Microsoft Office and necessary software.
• Ability to prepare documents and compose business letters.
• Excellent human relation skills with customers.

Responsibilities

• Originate commercial loans and cross-sell bank products to accounts.
• Collect and analyze financial data to determine creditworthiness.
• Negotiate terms under which credit will be extended.

Skills

Microsoft Office

Confidentiality

Human relation skills

Multi-tasking

Self-starter

Teamwork

Education

Bachelor’s Degree in Business or Finance

3-5 years of commercial lending experience

Tools

Business writing

Financial analysis tools

Job description

A Commercial Relationship Manager is responsible for originating commercial loans and 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, 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.

Requirements

• 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: 1117 Military Cutoff Rd, Wilmington, North Carolina 28405

Equal Opportunity Employer, including disabled/veterans.