Commercial Portfolio Manager

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! The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more CRE Relationship Managers providing quality underwriting, sound portfolio management and superior client service. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Credit Underwriting & Transaction Structuring Conducts advanced financial analysis to evaluate creditworthiness for new CRE loan requests, renewals, and ongoing portfolio needs, ensuring alignment with Bank credit policy and risk frameworks. Performs detailed industry, market, and project-level research to support CRE lending decisions and client conversations. Prepares complete, accurate, and high‑quality commercial credit packages, including written credit memoranda that outline borrower background, project details, guarantor analysis, global cash flow, collateral evaluation, risk assessment, and final recommendations. Utilizes specialized CRE credit tools and models when more sophisticated analysis is required (e.g., rent rolls, DSCR stress testing, cap rate sensitivity, absorption analysis). Partners with Relationship Managers to structure transactions that meet customer objectives while ensuring prudent credit risk and compliance with the Bank’s lending philosophy. Guides CRE loan requests through the full credit approval process, ensuring clarity, accuracy, and timely execution. Portfolio & Risk Management Manages and monitors a portfolio of large and complex CRE relationships, ensuring compliance with internal policies, regulatory expectations, and risk rating standards. Conducts ongoing portfolio surveillance, including covenant testing, financial statement analysis, exception management, annual reviews, and documentation verification. Assigns and reviews risk grades with strong credit judgment; recommends changes as conditions evolve or material information becomes available. Works proactively with Relationship Managers, Credit Administration, and Loan Operations to mitigate emerging risks, reduce past dues, and maintain asset quality. Client & Internal Partner Engagement Supports Relationship Managers in preparing for and presenting credit requests to Credit Officers and senior credit committees. Participates in client and prospect meetings to provide expertise on deal structure, underwriting considerations, and portfolio strategy. Builds strong working relationships with internal partners including Credit Officers, Loan Operations, Leadership, Treasury, and Branch teams to streamline client service and portfolio processes. Maintains productive relationships with external partners such as attorneys, appraisers, brokers, and developers to enhance deal execution and promote the Bank’s reputation in the CRE market. Compliance, Governance & Professional Development Ensures strict adherence to regulatory requirements including State and Federal lending laws, Fair Lending, BSA/AML, CIP, and OFAC. Remains knowledgeable of Bank products, services, and policies to better support client needs and portfolio performance. Participates in ongoing professional training, staying current on CRE market trends, regulatory changes, and credit best practices. Completes special projects and initiatives as assigned by Credit Administration leadership. Team Collaboration & Client Advisory Acts as a strategic partner to Relationship Managers by providing insight-driven recommendations, risk management guidance, and credit expertise. Serves as a trusted advisor to clients and prospects, balancing strong credit discipline with a relationship-focused approach. Other Duties Accepts other duties as assigned. Competencies Excellent interpersonal skills. Proficient in Microsoft Excel and Word. Strong organization skills. High attention to detail. Cooperative and willing to assist coworkers and customers on a regular basis. Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others. Possesses multi-tasking skills and be able to function well under pressure. Ability to remain composed under pressure and respond to customer and coworker concerns regularly. Patience and willingness to help others in solving problems while maintaining a positive attitude. Qualifications and Education 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: Minimum of 4-6 years of experience in credit analysis, commercial real estate banking, business banking with at least 2 years of specific portfolio management and/or underwriting experience. Familiarity with loan structuring and loan documentation is required. Knowledge: Knowledge in accounting and lending principles, as well as excellent oral and written communication skills. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures. Training Requirements / Classes South State Bank credit policies, procedures and underwriting standards. Annual regulatory and compliance training. Additional training may be required, as needed. Recommended Additional Training Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank. Supervisory Responsibility None. Physical Demands / Work Environment Must be able to stand and/or sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents and reports. Travel This position does not require travel. Work Location 2101 Cedar Springs Rd Ste 1000 Dallas, Texas 75201. Equal Opportunity Employer, including disabled/veterans. Our business model supports the unique character of the communities we serve and encourages decision making by the banker that is closest to the customer. We think and act like owners and measure success over entire economic cycles. We prioritize soundness before short-term profitability and growth. #J-18808-Ljbffr SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION