Commercial Relationship Manager III - Pasadena, TX

SouthState Bank; Pasadena (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

SouthState Bank in Pasadena, TX seeks a seasoned Commercial Lending Officer to lead loan origination and relationship management within a specified metro market. You will underwrite and structure loans, price products, and collaborate with treasury, capital markets, wealth, and retail teams to exceed client objectives.

The role requires at least 10 years in commercial lending, strong credit analysis skills, and a bachelor’s degree in business/finance.

Qualifications

• Education: A Bachelor’s degree in business, finance, banking, or related field is required. Graduation from a recognized school of banking is an asset.
• Experience: Minimum of 10+ years’ commercial lending experience; Experience should include previous loan structuring and credit analysis responsibilities
• Certifications/Specific Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices; Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.

Responsibilities

• Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a South State metro market
• Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
• Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meeting the needs of the client and the operating objectives of the Bank
• Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail
• Underwrite loan requests within the parameters of the Bank’s policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
• Manage and service assigned loan portfolio
• Ensure that all required documentation is in file for all loans and deposits
• Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
• Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
• Price each loan and deposit product according to current Bank pricing guidelines
• Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
• Demonstrate a commitment to fair lending practices
• Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
• Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
• Resolve client problems and assist with general inquiries
• Provide superior service to existing clients
• Builds and maintain a positive working relationship with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace

Skills

Sales

Interpersonal

Negotiation

Communication

Accounting basics

Credit analysis

Detail oriented

Prioritization

Analytical skills

MS Office (Word/Excel/Outlook)

Education

Bachelor's degree in business/finance/banking

10+ years commercial lending experience

Job description

ESSENTIAL FUNCTIONS

• Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a South State metro market
• Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
• Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meeting the needs of the client and the operating objectives of the Bank
• Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail
• Underwrite loan requests within the parameters of the Bank’s policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
• Manage and service assigned loan portfolio
• Ensure that all required documentation is in file for all loans and deposits
• Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
• Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
• Price each loan and deposit product according to current Bank pricing guidelines
• Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
• Demonstrate a commitment to fair lending practices
• Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
• Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
• Resolve client problems and assist with general inquiries
• Provide superior service to existing clients
• Builds and maintain a positive working relationship with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace

Skills

• Must have well-developed sales, interpersonal and negotiating skills. Excellent written and verbal communication skills are necessary. Must have basic accounting and credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficiency in the use of Microsoft Word Excel, Outlook is necessary.

Qualifications, Education, And Certification Requirements

• Education: A Bachelor’s degree in business, finance, banking, or related field is required. Graduation from a recognized school of banking is an asset.
• Experience: Minimum of 10+ years’ commercial lending experience; Experience should include previous loan structuring and credit analysis responsibilities
• Certifications/Specific Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices; Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.

Training Requirements/Classes

Required annual compliance training; New Employee Orientation

PHYSICAL DEMANDS

Must be able to effectively access and interpret information on computer screens, documents, reports. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.

WORK ENVIRONMENT

This position is in a private office.

TRAVEL

This position may require some travel from time to time.

Work Location

6025 Crenshaw Rd., Ste. 100 Pasadena, Texas 77505

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Equal Opportunity Employer, including disabled/veterans.