Commercial Relationship Manager IV

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Fort Lauderdale (FL); On-site; USD 120,000 - 180,000; Full time

Job summary

SouthState Bank, National Association, is seeking a seasoned Commercial Lending professional in Fort Lauderdale to drive new business and manage a commercial loan and deposit portfolio. You will assess credit requests, structure loans, and ensure adherence to bank policies while delivering exceptional client service.

The role emphasizes risk assessment, cross‑department collaboration, and building strong relationships with clients and community partners in the SouthState metro market.

Qualifications

• Bachelor’s degree in business, finance, banking, or related field.
• 10+ years in commercial lending or portfolio management, including loan structuring and credit analysis responsibilities.
• Extensive knowledge of bank products, services, procedures, and lending regulations.

Responsibilities

• Develop consultative relationships with prospects and clients to grow loan and deposit portfolio.
• Underwrite loan requests per bank policies and ensure credit quality.
• Process loan and deposit requests through appropriate channels for timely credit approvals.
• Collaborate with Treasury Management, Sales Officers, Capital Markets, Wealth, and Retail departments.
• Price loans and deposits according to current bank pricing guidelines.
• Maintain documentation and service for the assigned loan portfolio.

Skills

Sales

Interpersonal skills

Negotiation

Written communication

Verbal communication

Basic accounting

Credit analysis

Education

Bachelor's degree in business/finance/banking

Tools

Microsoft Word

Microsoft Excel

Outlook

Job description

Summary / Objectives

Responsible for developing new business through sales efforts in the SouthState metropolitan market. Manages an entry level loan and deposit portfolio, providing superior client service. Analyzes financial information to evaluate the creditworthiness of loan requests. Compiles loan packages ensuring completeness and accuracy of information provided. Sells and cross‑sels additional products and services of the Bank. Ensures all loans follow State and Federal regulations, and Bank policies and procedures. Success in this role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, and the ability to build successful relationships internally and externally.

Essential Functions

• Actively participates in a business development plan to increase the loan and deposit portfolio of commercial clients within a SouthState 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 credit quality, responsiveness, structure, and pricing meet client needs and the Bank’s operating objectives.
• Collaborate effectively with Treasury Management, Sales Officers, Capital Markets, Wealth, and Retail departments.
• Underwrite loan requests within 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 the assigned loan portfolio.
• Maintain all required documentation for loans and deposits.
• Partner with Credit to risk‑grade each loan in the portfolio and adjust as circumstances change.
• Price each loan and deposit product according to current Bank pricing guidelines.
• Document the credit quality, competitive factors, and overall relationship circumstances that justify pricing departures.
• Demonstrate a commitment to fair lending practices.
• Stay knowledgeable of laws and regulations governing lending activities of financial institutions.
• Ensure compliance with all applicable Bank policies and regulations.
• Resolve client problems and assist with general inquiries.
• Provide superior service to existing clients and maintain positive relationships with community stakeholders.

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.
• Proficient in basic office equipment, especially calculator and computer.
• Proficiency with Microsoft Word, Excel and Outlook.

Qualifications

Education: Bachelor’s degree in business, finance, banking, or related field. Graduation from a recognized school of banking is an asset.

Experience: Minimum of ten (10) years in commercial lending or portfolio management, 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; familiarity with the local business community is strongly preferred.

Training Requirements / Classes

• Annual compliance training.
• New Employee Orientation.

Physical Demands

• Ability to effectively access and interpret information on computer screens, documents, and reports.
• Large amount of time spent in front of a computer, sitting or standing at a desk.

Work Environment

Private office setting.

Travel

May require some travel from time to time.

Location

200 E Las Olas Blvd, Fort Lauderdale, Florida 33301.

Equal Opportunity Statement

Equal Opportunity Employer, including disabled/veterans.