Commercial Relationship Manager IV

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Austin (TX); On-site; USD 150,000 - 190,000; Full time

Job summary

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION in Austin seeks an experienced Senior Commercial Lender to grow the loan and deposit portfolio, forging consultative relationships with mid-market clients. You will underwrite loan requests, price products, and collaborate with Credit and Treasury to deliver tailored solutions while ensuring compliance with banking regulations.

This role requires a strong background in commercial lending and a proven ability to manage risk and drive growth in a

Qualifications

• Bachelor’s degree in business, finance, banking, or related field (required). Graduation from a recognized school of banking is an asset.
• 10+ years of commercial lending experience, including loan structuring and credit analysis responsibilities.
• Extensive knowledge of bank products, services, procedures, and lending regulations.
• Familiarity with the local business community is strongly preferred.

Responsibilities

• Develop a business development plan to increase 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.
• Underwrite loan requests within the parameters of the Bank’s policies and procedures.
• Price each loan and deposit product according to current Bank pricing guidelines.
• Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
• Manage and service assigned loan portfolio and ensure documentation is complete and compliant.

Skills

Sales skills

Interpersonal skills

Negotiation skills

Written communication

Verbal communication

Basic accounting

Credit analysis

Proficiency: Word, Excel, Outlook

Education

Bachelor’s degree in business/finance/banking

Banking school graduation (asset)

Job description

ESSENTIAL FUNCTIONS

• Actively participates in a business development plan to increase 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 meet 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 loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
• Manage and service assigned loan portfolio
• Ensure 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 credit quality, current competitive factors, or overall relationship circumstances that justify departures from 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 State and Federal regulations
• Resolve client problems and assist with general inquiries
• Provide superior service to existing clients
• Build and maintain positive working relationships with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace

SKILLS

• Well-developed sales, interpersonal and negotiating skills
• Excellent written and verbal communication skills
• Basic accounting and credit skills
• Detail oriented with proven ability to prioritize complex work assignments
• Proven analytical skills and ability to evaluate credit worthiness
• Proficient in basic office equipment, emphasizing calculator and computer
• Proficiency in Microsoft Word, Excel and Outlook

Qualifications, Education, and Certification Requirements

• Education: A Bachelor’s degree in business, finance, banking, or related field (required). Graduation from a recognized school of banking is an asset.
• Experience: Minimum 10+ years of commercial lending experience, including previous loan structuring and credit analysis responsibilities.
• Certifications/Specific Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices; 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, and reports. This position requires a large amount of time in front of a computer, which can be done sitting or standing with the 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

1011 W. 40th St., Ste. 100 Austin, Texas 78756

Equal Opportunity Employer

Equal Opportunity Employer, including disabled/veterans.