Sr Credit Risk Review Officer (Remote)

SouthState Bank, N.A.; Winter Haven (FL); Remote; USD 107,000 - 173,000; Full time

Job summary

An established industry player is seeking a skilled professional to enhance its credit review processes. This role involves evaluating complex commercial loans, ensuring effective lending practices, and communicating findings to foster improvements. The ideal candidate will possess a strong background in credit review and commercial lending, along with excellent communication skills. Join a team that values relationships and teamwork in a professional environment, contributing to the bank's mission of providing sound financial solutions. This opportunity offers a chance to make a significant impact in a respected institution.

Qualifications

• Minimum of 7 years in credit review, commercial lending, or underwriting.
• Proficiency in Microsoft Office and general banking experience.

Responsibilities

• Conduct ongoing monitoring of complex commercial loans and assess credit quality.
• Lead credit process reviews and validate borrower creditworthiness.
• Prepare periodic risk assessments and communicate findings effectively.

Skills

Credit Review

Commercial Lending

Underwriting

Portfolio Management

Microsoft Office

Emotional Intelligence

Effective Communication

Education

College degree in Accounting

College degree in Finance

College degree in Economics

Job description

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.

JOB DESCRIPTION

SUMMARY/OBJECTIVES

Responsible for assisting 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, identify unnecessary credit risk in individual loans and lending portfolios, confirm the effectiveness of loan grading, and effectively communicate findings to management to foster positive change.

ESSENTIAL FUNCTIONS

1. Conduct comprehensive ongoing monitoring of complex commercial loans, including assessments of credit quality, underwriting, structure, approval, annual servicing, risk rating, problem loan management, and credit file integrity.
2. Lead credit process reviews of complex portfolios, evaluating credit quality, underwriting, approval, and other related processes.
3. Validate credit and financial information to verify borrower/guarantor creditworthiness and loan/credit relationship validity.
4. Prepare periodic risk assessments to validate or revise risk rankings.
5. Communicate findings effectively with loan officers, underwriters, portfolio managers, and management.
6. Manage follow-up items and report resolutions.
7. Participate in loan committee meetings and other relevant discussions.
8. Mentor less experienced team members and serve as subject matter expert.
9. Support continuous improvement initiatives within the loan review function.

PRO BEHAVIORS

• Proficient to expert emotional intelligence and strong cross-functional relationships.
• High achievement orientation with credibility, accuracy, and good time management.
• Effective communication skills, both written and verbal.
• Independent and objective decision-making ability.
• Good listening skills and openness to others’ opinions.
• Leadership presence and ability to interact professionally with senior management and stakeholders.
• Organized, detail-oriented, and self-motivated.
• Willingness to learn and adapt to change.

WORK ENVIRONMENT

Professional, business office setting with emphasis on human relations and teamwork.

PHYSICAL DEMANDS

No unusual physical demands; primarily sedentary work with occasional lifting up to 25 pounds. Flexibility to work outside regular hours for meetings and training.

TRAVEL

Occasional travel to various bank regions for training and meetings.

QUALIFICATIONS AND EDUCATIONAL REQUIREMENTS

• College degree in Accounting, Finance, Economics, or equivalent experience.
• Minimum of 7 years in credit review, commercial lending, underwriting, or portfolio management.
• Proficiency in Microsoft Office and general banking experience.

OTHER DUTIES

Additional duties as assigned. This is an at-will employment position. Salary range in Colorado: $107,924.19 - $172,398.01, based on skills, experience, and education. Applications encouraged beyond the posting deadline of 05-30-2025.

Benefits | SouthState Careers