Senior Credit Risk Review Officer

SOUTHSTATE BANK, NATIONAL ASSOCIATION; United States; On-site; USD 120,000 - 190,000; Full time

Job summary

SouthState Bank, National Association is seeking a Senior Credit Risk Review Officer to lead the evaluation of credit quality and lending practices for the bank's most complex commercial portfolios. The role involves ownership of risk assessments, communication with senior management, and driving improvements in risk controls.

The position requires seven years of credit review and underwriting experience, with strong analytical and leadership abilities.

Qualifications

• Minimum of seven years of credit review, commercial lending, and commercial loan underwriting experience.
• Strong written and verbal communication skills.
• Ability to evaluate credit quality and processes independently and provide actionable recommendations.

Responsibilities

• Conduct ongoing monitoring of complex commercial loans including credit quality assessment and risk rating.
• Lead Credit Process/Target Reviews for top-tier portfolios and contribute to cross-portfolio analyses.
• Validate financial information and credit documentation for accuracy and policy compliance.
• Prepare periodic risk assessments and communicate findings to management.
• Participate in loan committee meetings and mentor junior staff.

Skills

Credit risk assessment

Commercial lending

Underwriting

Risk management

Analytical thinking

Education

Bachelor's degree in Accounting, Finance, Economics or equivalent experience

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

It is the responsibility of the Senior 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 loan grading, and effectively communicating findings to management at the same time providing a force for positive change in the bank.

ESSENTIAL FUNCTIONS

Conduct comprehensive Ongoing Monitoring of most complex commercial loans, including an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity.Will typically lead (Reviewer-in-Charge) Credit Process/Target Reviews of the most complex commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios. A full Credit Process Review will generally include an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity.Participate in Credit Process/Target Reviews of all levels of commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios.Validate credit/financial information to verify the credit worthiness of the borrower/guarantors and validity of the loan/credit relationship grade.Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability.Responsible for the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).Communicate with loan officers, underwriters, portfolio managers, analysts, 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.Mentor less experienced teammates (e.g., Loan Review Officers I and II) and serve as Subject Matter Experts on assigned portfolios and conduct training as needed.Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement and assist the Director of the Credit Risk Review and the Credit Risk Review Manager with implementation of continuous improvement initiatives. Develop ideas to increase the continued advancement and effectiveness of the Loan Review function.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

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.Displays a leadership presence with the ability to interact with senior management, regulators, loan officers, underwriters, portfolio managers, analysts, credit administrators and other management

Qualifications, Education, and Certification Requirements

Education : College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.Experience : Minimum of seven years of credit review, commercial lending, commercial loan underwritin