Commercial Relationship Manager III - Austin, TX

SouthState Bank, N.A.; Austin (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

A leading bank in Austin, Texas, is seeking a Commercial Loan Officer to manage loan applications and assess creditworthiness. The ideal candidate will have a Bachelor's degree in Business or Finance and 3-5 years of experience in commercial lending. This role involves developing new business opportunities, monitoring loan activities, and providing financial advice to clients.

Qualifications

• 3-5 years of previous commercial lending experience in a bank or loan setting.
• Strong knowledge of personal computer and software used in department.

Responsibilities

• Interviews loan applicants and analyzes financial data to assess creditworthiness.
• Monitors loan repayment activities and advises customers on financial matters.
• Develops new business by contacting prospects and cross-selling bank services.

Skills

Microsoft Office

Confidentiality

Self-starter

Multi-tasking

Human relation skills

Education

Bachelor's Degree in Business or Finance

Job description

As a leading bank, SouthState has been providing financial solutions to individuals, families, and businesses for more than 100 years.

SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.

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, 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.

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 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 related field and 3-5 years of previous commercial lending experience in a bank or loan setting