Commercial Relationship Manager IV

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Saint Petersburg (FL); On-site; USD 75,000 - 125,000; Full time

Job summary

SouthState Bank in Saint Petersburg, FL seeks a Commercial Relationship Manager IV to drive new business in a metro market, manage a complex loan and deposit portfolio, and deliver superior client service. You will evaluate creditworthiness, assemble loan packages, cross-sell products, and ensure regulatory compliance.

The role requires strong sales skills, credit knowledge, and relationship management with a focus on loan structuring and pricing.

Qualifications

• Bachelor’s degree in business, finance, banking, or related field required.
• Minimum 2–5 years of commercial lending or portfolio management experience preferred.
• Prior experience in loan structuring and credit analysis.
• Extensive knowledge of bank products, services, procedures, and practices.
• Familiarity with Federal and State lending regulations and bank policies.

Responsibilities

• Develop consultative relationships with prospects and clients to deliver banking solutions.
• Actively participate in a business development plan to grow loan and deposit portfolios.
• Underwrite loan requests per bank policies and ensure proper pricing and documentation.
• Service and manage the assigned loan portfolio and monitor credit quality.
• Coordinate with Credit for approvals and maintain compliance with regulations.

Skills

Sales

Interpersonal skills

Negotiation

Written communication

Verbal communication

Basic accounting

Detail oriented

Prioritization

Education

Bachelor's degree in business/finance/banking

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Calculators

Office equipment

Job description

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s, SouthState has become a trusted financial partner across the South and beyond, known for combining personal relationships with forward‑thinking solutions.

Summary / Objectives

The Commercial Relationship Manager IV is responsible for developing new business through sales efforts in a SouthState metropolitan market, managing a complex loan and deposit portfolio, and providing superior client service. The role evaluates creditworthiness, compiles loan packages, sells and cross‑sells additional products, and ensures compliance with all regulations and Bank policies.

Essential Functions

• Actively participate 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 that meet client needs and operating objectives.
• 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 the assigned loan portfolio.
• Maintain required documentation for all loans and deposits and note any compliance deficiencies.
• Partner with Credit to properly risk grade each loan and adjust grades as circumstances change or new information becomes available.
• Price each loan and deposit product according to current Bank pricing guidelines and document the credit quality or relationship circumstances that justify departures from approved Bank pricing regulations.
• Demonstrate a commitment to fair lending practices and 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 to provide superior service to existing clients.
• Build and maintain a positive working relationship with COIs 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 the proven ability to prioritize complex work assignments.
• Proficiency with Microsoft Word, Excel, Outlook, calculators, and basic office equipment.

Qualifications

• Bachelor’s degree in business, finance, banking, or a related field.
• Minimum of 2–5 years of commercial lending or portfolio management experience.
• Previous experience in loan structuring and credit analysis.
• Extensive knowledge of Bank products, services, procedures, and practices.
• In‑depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.
• Familiarity with the local business community is strongly preferred.

Training Requirements / Classes

Required annual compliance training and 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 performed sitting or standing with the use of a right desk.

Work Environment

This position is in a private office.

Travel

This position may require some travel from time to time.

Work Location: 3701 4th Street North, St. Petersburg, Florida 33704

Equal Opportunity Employer, including disabled/veterans.

Our business model supports the unique character of the communities we serve and encourages decision making by the banker who is closest to the customer. We think and act like owners and measure success over entire economic cycles. We prioritize soundness before short‑term profitability and growth.