Commercial Portfolio Manager II

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The South State story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. 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 South State, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose.

Summary/Objectives

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial with some CRE) providing quality underwriting, sound portfolio management and superior client service.

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and ongoing Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures.
• Completes industry research, as needed, supporting existing and new Customers to the Bank.
• Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided, including a written credit memo with background information, financial analysis of the Borrower and Guarantors, risk analysis, proper risk grading and a thoughtful recommendation.
• Completes additional credit analysis through more in-depth tools when needed (e.g., CRE analysis tool).
• Guides the loan request through the Credit Approval Process and ensures structure meets client needs and Bank objectives.
• Ensures large commercial loan relationships comply with State and Federal regulations and Bank policies.
• Monitors and services large commercial loan portfolios through centralized covenant testing and tracking, annual servicing reviews and exception clearing.
• Properly grades risk of each loan in the assigned portfolio per policy and recommends adjustments as circumstances change.
• Assists Relationship Manager in credit presentations to Credit Administration or other leaders and Committees.
• Ensures all required documentation is on file for loans and treasury management approvals; works with the Relationship Manager to clear deficiencies noted by Loan Operations or reviews.
• Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested.
• Builds and maintains positive working relationships with internal partners (Loan Operations, Credit Administrators, Credit Leadership, Local Line Leadership and Branch Personnel, etc.).
• Undertakes special projects related to the job function as determined by Credit Administration Leadership.
• Continuously updates skills through professional training and cross-training offered by the Bank.
• Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans.
• As a teammate to the Relationship Manager and Credit Administration, acts as a trusted advisor to clients and prospects within the context of risk management.
• Demonstrates a commitment to fair lending practices and remains knowledgeable of all laws and regulations governing lending activities; ensures compliance with all applicable Bank policies and procedures, as well as State and Federal regulations.
• Builds and maintains positive working relationships with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace.
• Stays abreast of products and services the Bank is providing.
• Adheres to all corporate policies and procedures, Federal and State regulations and laws.
• Has responsibility for regulatory requirements including BSA/AML/CIP and OFAC to assist in identification, detection and deterrence of money laundering or other unlawful activities.

• Accepts other duties as assigned.

• Excellent interpersonal skills
• Proficient in Microsoft Excel and Word
• Strong organization skills
• High attention to detail
• Cooperative and willing to…