Senior Commercial Portfolio Manager

SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION; United States; On-site; USD 90,000 - 120,000; Full time

Job summary

SouthState Bank seeks an experienced credit analyst in Tampa, FL to evaluate credit risk for commercial loans and manage ongoing portfolio performance. You will prepare detailed credit memos, analyze borrower financials, and support loan approvals end-to-end.

With 4–6 years in credit analysis, you will ensure compliance with lending regulations and bank policies, collaborating with lenders to deliver accurate, timely risk assessments and thorough documentation.

Qualifications

• Education: Four-year degree in Business Administration, Finance, Accounting or related field; Graduation from a recognized school of banking is an asset or equivalent experience.
• Experience: 4–6 years in credit analysis, commercial banking, business banking with at least 2 years in portfolio management and/or underwriting for Middle Market.
• Knowledge: Strong understanding of Federal and State lending regulations and bank policies; excellent oral and written communication skills.

Responsibilities

• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and ongoing portfolio management activities.
• Compiles commercial loan packages with credit memos, borrower/guarantor analysis, risk grading and thoughtful recommendations.
• Guides loan requests through Credit Approval Process and ensures structure meets client needs and bank objectives.
• Monitors large commercial loan portfolios with covenant testing, annual servicing reviews and exception clearance.
• Maintains documentation for all loans and collaborates with Relationship Managers and Credit Administrators to resolve deficiencies.

Skills

Excellent interpersonal skills

Strong organization skills

High attention to detail

Effective listening

Multi-tasking under pressure

Team collaboration

Customer-oriented

Education

Four-year degree in Business Administration, Finance, Accounting

Tools

Microsoft Excel

Microsoft Word

Job description

SouthState Bank seeks an experienced credit analyst in Tampa, FL to evaluate credit risk for commercial loans and manage ongoing portfolio performance. You will prepare detailed credit memos, analyze borrower financials, and support loan approvals end-to-end.

With 4–6 years in credit analysis, you will ensure compliance with lending regulations and bank policies, collaborating with lenders to deliver accurate, timely risk assessments and thorough documentation.