CRE Relationship Manager I

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; Oregon (WI); On-site; USD 80,000 - 100,000; Full time

Job summary

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION is seeking a Commercial Real Estate Relationship Manager I to manage a complex commercial loan and deposit portfolio. The role requires developing new business, maintaining superior client service, and ensuring compliance with regulations across Wisconsin and Oregon.

The ideal candidate should have a Bachelor’s degree and 3-5 years of relevant experience in commercial real estate lending. Strong sales, analytical, and communication skills are essential for success in this position.

Qualifications

• Minimum of 3-5 years of commercial real estate lending and portfolio management experience.
• Extensive knowledge of Bank products, services, and Federal and State lending regulations.
• Proficient in basic accounting, credit skills, and using office equipment.

Responsibilities

• Develop new business through sales efforts for commercial real estate clients.
• Manage and service the assigned loan portfolio.
• Ensure compliance with all applicable Bank policies and regulations.

Skills

Sales skills

Interpersonal skills

Negotiating skills

Analytical skills

Communication skills

Detail-oriented

Education

Bachelor’s degree in business, finance, banking, or related field

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

SUMMARY / OBJECTIVES

• It is the responsibility of the Commercial Real Estate Relationship Manager I to take ownership of all tasks and challenges that they encounter in the operation of their assigned position.
• Has responsibility for developing new business through sales efforts.
• Manages a complex loan and deposit commercial real estate portfolio providing superior client service.
• Analyzes financial information to evaluate the credit worthiness of loan requests.
• Compiles loan packages ensuring completeness and accuracy of information provided.
• Sells and cross-sells additional products and services of the Bank.
• Assures that all loans are following State and Federal regulations and Bank policies and procedures.
• Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, and risk mitigation.
• Ability to build successful relationships internally and externally.

ESSENTIAL FUNCTIONS

• Actively participates in a business development plan to increase their loan and deposit portfolio of commercial real estate clients within a designated SouthState 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.
• 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 assists with general inquiries.
• 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.

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 3-5 years commercial real estate lending and/or portfolio management experience; Experience should include previous loan structuring and credit analysis responsibilities.

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. Must have deep knowledge of construction loan servicing, permanent loan requirements, exit strategies, tenant analysts, CRE market research, construction cost, appraisal analysis and lease reviews. Familiarity with the local business community is strongly preferred.

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.

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.
• Large amount of time in front of a computer; can be sitting or standing with use of the right desk.

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

WORK ENVIRONMENT

This position is in a private office.

TRAVEL

This position may require some travel from time to time.

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 that 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.