SAM Commercial Portfolio Manager

southstatebank; United States; On-site; USD 90,000 - 125,000; Full time

Job summary

SouthState Bank is seeking a SAM Commercial Portfolio Manager to support the commercial loan portfolio, underwriting, and risk management. You will work with CROs and Team Leads to ensure high-quality credit analyses, proper risk grading, and compliant servicing and reporting.

The role involves preparing loan packages, presenting recommendations, and monitoring portfolios for upgrades while coordinating with internal partners and attorneys as needed.

Qualifications

• Excellent interpersonal skills are essential for building relationships with stakeholders.
• Strong organizational abilities to manage complex loan portfolios and processes.
• Attention to detail in credit analyses, underwriting, and documentation.

Responsibilities

• Analyzes financial information to evaluate credit worthiness for renewals, modifications, and forbearance requests.
• Assembles comprehensive commercial loan packages with critical risk analysis and recommendations.
• Guides loan requests through Credit Approval processes and ensures regulatory compliance.
• Maintains documentation, covenant testing, and servicing reviews for portfolios.
• Engages with customers when directed to collect financial information and support portfolio management.
• Builds positive relationships with internal partners and external vendors.

Skills

Interpersonal skills

Organizational skills

Attention to detail

Teamwork

Active listening

Tools

Microsoft Excel

Microsoft Word

nCino

Fiserv

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!

SUMMARY/OBJECTIVES

The SAM Commercial Portfolio Manager supports the Special Assets commercial loan portfolio of one or more SAM Commercial Resolutions Officers (CRO) and Team Leads (TL) providing quality underwriting and sound portfolio management that reduces problem assets and minimizes losses to the bank.

ESSENTIAL FUNCTIONS

Analyzes financial information to evaluate the credit worthiness of renewals, modifications, and forbearance loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank's policies and procedures.

Compiles commercial loan packages ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.

Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool).

Guides the loan request through the Credit Approval Process and ensures that structure meets the needs of the client and the operating objectives of the Bank.

Assures that commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures.

Monitors and services the commercial loan portfolios of the supported CRO and TL through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process, criticized loan asset report preparation, and exception clearing.

Reviews commercial portfolio for opportunities for potential upgrades.

Properly grades risk of each loan in the assigned portfolio, per policy. Recommends adjustments to risk grades as circumstances change or new information becomes available.

Assists CRO and TL in credit presentation to Credit Administration or other leaders and Committees at the Bank.

Ensure that all required documentation is in file for all loans. Works with the CRO, TL and the SAM Loan Assistant to help clear documentation or compliance deficiencies noted by Loan Operations or other reviews.

Periodically engage with customers at the direction of the CRO or TL for the collection of financial information.

Builds and maintains positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.).

Undertakes special projects related to job function as determined by the Director of Special Assets or SAM Commercial Resolutions TL.

Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank.

Works with CRO and TL to monitor maturing loans.

Demonstrates a commitment to fair lending practices. Remains knowledgeable of all laws and regulations governing the lending activities of financial institutions. Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.

Builds and maintains a positive working relationship with attorneys, appraisers, vendors and others to enhance the Bank's image and reputation in the marketplace.

Stays abreast of products and services the Bank is providing.

Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws.

Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti- Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities.

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

COMPETENCIES

• Excellent interpersonal skills
• Proficient in Microsoft Excel and Word, nCino, and Fiserv
• Must be well-organized, accurate, and attentive to detail
• Must be cooperative and willing to assist coworkers and customers on a regular basis
• Effective listening skills dem