Commercial Portfolio Manager II

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 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. Essential Functions Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal loan requests and ongoing portfolio management activities, ensuring 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. The package includes a written credit memo with sufficient background information on the customer, financial analysis of the borrower, guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion, and a thoughtful recommendation. Performs additional credit analysis through more in‑depth tools outside of traditional spreads and global cash flow, such as CRE analysis tools. Guides the loan request through the Credit Approval Process, ensuring that the structure meets the needs of the client and the operating objectives of the Bank. Ensures that large commercial loan relationships comply with State and Federal regulations and Bank policies and procedures. Monitors and services large commercial loan portfolios through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing. Properly grades the risk of each loan in the assigned portfolio, per policy, and recommends adjustments to risk grades as circumstances change or new information becomes available. Assists Relationship Manager in credit presentation to Credit Administration or other leaders and committees at the Bank. Ensures that all required documentation is in file for all loans and treasury management approvals, working with the Relationship Manager and the LOA to clear documentation or compliance deficiencies noted by Loan Operations or other reviews. Periodically accompanies the Relationship Manager on calls with existing and/or prospective customers as requested. Builds and maintains positive working relationships with internal business partners, including Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel. Undertakes special projects related to job function as determined by Credit Administration Leadership. Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross‑training offered by the Bank. Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past‑due loans. Serves as a trusted advisor to clients and prospects within the context of risk management, demonstrating a commitment to fair lending practices and knowledge of all applicable laws and 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 and adheres to all corporate policies, Federal and State regulations, and the Bank Secrecy Act (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP) and OFAC requirements. 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 without interruption, understand them, and then propose solutions or make contributions based on the points made. Possesses multi‑tasking skills and functions 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 Requirements 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 banking, business banking with at least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market. Familiarity with loan structuring and documentation is required. Knowledge: Deep understanding of accounting and lending principles, excellent oral and written communication skills, and 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. Recommended Additional Training Additional training may be required, as needed. New Employee Orientation. Supervisory Responsibility None. Physical Demands / Work Environment Must be able to stand and/or sit for long periods of time and effectively access and interpret information on computer screens, documents and reports. Travel This position does not require travel. Work Location 3475 Piedmont Rd NE Suite 150 & 1900 Atlanta, Georgia 30305. Equal Opportunity Employer SouthState is an Equal Opportunity Employer, including disabled/veterans. #J-18808-Ljbffr