Credit Risk Review Officer - Consumer (Remote)

SouthState Bank; Winter Haven (FL); Hybrid; USD 87,000 - 139,000; Full time

Job summary

SouthState Bank seeks a Credit Risk Review Officer to own the evaluation of lending practices and risk ratings across Consumer and Residential Real Estate portfolios. You will validate credit information, oversee underwriting results, and communicate findings to underwriters and management.

This role supports ongoing monitoring, risk assessments, and continuous improvement initiatives, with a hybrid work arrangement and opportunities to influence risk posture within the bank.

Qualifications

• College degree in Accounting, Finance, Economics or equivalent is required.
• Minimum of five years of Loan Review/Credit Risk Review or consumer/residential real estate lending experience.
• Proficient in Microsoft Office applications and general banking knowledge.

Responsibilities

• Assists Consumer Group Manager in ongoing monitoring of the Consumer and Residential Real Estate loan portfolios. Leads or participates in Reviews and communicates findings to stakeholders.
• Validate credit/financial information and automated scoring/underwriting system results to verify credit worthiness and underwriting quality.
• Assists in preparation of periodic Risk Assessments to validate risk rankings and enhances monitoring processes.
• Communicate with underwriters, credit administrators, and management; follow up on review actions and report resolutions.
• Foster continuous improvement and support special projects within the Credit Risk Review function.

Skills

Credit risk analysis

Loan review

Underwriting

Financial analysis

Communication

Emotional intelligence

Microsoft Office

Education

College degree in Accounting, Finance, Economics or equivalent

Tools

Microsoft Office

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 to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

It is the responsibility of the Credit Risk Review Officer to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Responsible to assist South State Bank, N.A. in achieving its objectives of operating a sound and profitable financial institution by independently evaluating the credit quality and credit processes of the bank. The primary goals of Credit Risk Review are to accurately evaluate the effectiveness of lending practices and credit-related supervision, identifying unnecessary credit risk in individual loans and various lending unit’s loan portfolios, confirming the effectiveness of risk rating, and effectively communicating findings to management at the same time providing a force for positive change in the bank.

Essential Functions:

It is the responsibility of the Credit Risk Review Officer to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Responsible to assist South State Bank, N.A. in achieving its objectives of operating a sound and profitable financial institution by independently evaluating the credit quality and credit processes of the bank. The primary goals of Credit Risk Review are to accurately evaluate the effectiveness of lending practices and credit-related supervision, identifying unnecessary credit risk in individual loans and various lending unit’s loan portfolios, confirming the effectiveness of risk rating, and effectively communicating findings to management at the same time providing a force for positive change in the bank.

Duties/Responsibilities:

• Assists Consumer Group Manager in conducting comprehensive Ongoing Monitoring of the Consumer and Residential Real Estate loan portfolios. This includes, among other things, reviewing reports, attending meetings, and communicating with key stakeholders. Will participate in Credit Process/Target/Ongoing Monitoring Reviews of the Consumer/Residential Real Estate loan portfolios. May be asked to lead less complex Reviews. Responsibilities also include identifying risk (e.g., exceptions, overrides, changes to strategy) and developing an ongoing monitoring plan to ensure risks are assessed. Ability to analyze findings, draw conclusions and provide recommendations.
• Validate credit/financial information and automated scoring/underwriting system results to verify the credit worthiness of the borrower, the quality of the underwriting, and validity of the risk rating. Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability.
• Assists in the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).
• Communicate with underwriters, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on findings. Owning and managing follow-up items resulting from the review and reporting the resolution of those items in review documentation. Attend various loan committee meetings and other relevant meetings as appropriate, including periodic touch base meetings with key stakeholders.
• Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement. Develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function. Assist Consumer Group Manager with special projects as needed.
• Develop subject matter expertise within the Consumer/Residential Real Estate portfolios.
• Assist Consumer Group Manager with special projects as needed.

Education Requirements

• College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.

Minimum Experience

• Minimum of five years of Loan Review/Credit Risk Review or consumer/residential real estate lending experience.

Licenses and Certifications

• Computer literacy. Proficient in Microsoft Office applications. General banking experience required.

Knowledge, Skills, & Abilities:

• Emerging to Proficient level of Emotional Intelligence. Developing skills to interpret one’s own and other’s emotions and behaviors in order to manage situations effectively.
• Is a Subject Matter Expert in less complex areas of the credit portfolio and is developing cross-functional relationships.
• Establishes high expectations for accomplishment and accountability fueled by passion to win and exceed goals. Work reflects credibility, accuracy, and appropriate time management.
• Proficient writing skills to effectively communicate in a clear, concise and persuasive manner.
• Ability to evaluate all facts independently and objectively before making decisions. Displays a healthy level of skepticism and challenges the status quo.
• Listens well and is willing to consider the opinions of others.
• Ability to make sound decisions and can recognize potential problems and propose recommendations for corrective action. Drives change within the organization.
• Must be well-organized, accurate, and attentive to detail.
• Self-starter and able to work independently.
• Ability to interact with loan officers, underwriters, portfolio managers, analysts, credit administrators and other management.
• Cooperative and willing to assist others.Willing to take advantage of training opportunities as available to enhance knowledge and job skills.
• Professional in appearance.
• Regular attendance is necessary.
• This job description in no way states or implies that these are the only duties to be performed by the employee in this position. The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by their supervisor.

Physical Demands

• Ability to communicate in person, on the phone, and through electronic channels
• Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
• Ability to sit, walk, and/or stand for extended periods of time
• Ability to bend and reach

Work Environment

• Remote or hybrid: For remote or hybrid positions, a secure and distraction-free setting is required, with a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable). Hybrid positions will report to a physical Company location, as directed by the manager, and that setting will be a typical office environment.

In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $87,282.00 - $139,425.00 , actual offers to be determined based on applicant’s skills, experience and education.

Benefits | SouthState Careers

Equal Opportunity Employer, including disabled/veterans.