SBA Relationship Manager

The South State 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 South State, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

This position is responsible for, but not limited to, originating U.S. Small Business Administration (SBA) 7a loans and U.S. Department of Agriculture Business and Industry (USDA B&I) loans. Incumbents are expected to meet or exceed production goals, which are set annually by the Bank.

• Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
• Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements
• Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means
• Presents loan requests to the appropriate approver when the proposed loan dollar volume exceeds the assigned Credit Administrator authority
• Authorizes or rejects overdrafts in depository account within established authorities
• Monitors loan repayment activities and takes necessary action to collect from past‑due accounts
• Develops new business by contacting prospects and customers, cross‑sells bank services
• Prepares lending activity reports for department management
• Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities
• Keeps abreast of SBA and USDA B&I loan program regulation, and assures adherence to said regulations
• Participates in community affairs to increase the bank's visibility and to enhance new business opportunities
• Maintains professional and community relations to increase the bank's visibility and new business opportunities, and to further personal development
• If assigned to assist the conventional Relationship Managers, or other Bank conventional lenders on government lending, the expectation is that the Government Lending RM will work hand in hand with the conventional lenders at the Bank to assess and process internal loan referrals
• Ensure that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provide assistance to other employees by liaising with them through healthy and positive interactions
• Be involved in performing marketing endeavors/efforts
• Continuously update skills by participating in professional training
• Seek opportunities to improve skills through cross‑training offered by the Bank
• All other tasks, responsibilities or duties, as directed by management

• Must have strong communication skills characterized by excellent writing and speaking skills
• Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
• Must have good knowledge of business English, including spelling and punctuation
• Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers
• Must be well‑organized, accurate, and attentive to detail
• Must be cooperative and willing to assist coworkers and customers on a regular basis
• Must have effective…