Commercial Relationship Manager II

Principal Accountabilities 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, 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. Plants loan requests to the executive loan committee when the proposed loan dollar volume exceeds the department’s lending authority. Authorizes or rejects overdrafts in depository accounts within established authorities. Monitors loan repayment activities and takes necessary action to collect from past‑due accounts. Advise customers, where possible, concerning business management and financial matters. Serves as a contact officer for non‑borrowing accounts and loan customers for matters relating to other bank services. Develops new business by contacting prospects and customers, cross‑selling 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. 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. Performs other specifically assigned duties. Other Skills / Qualifications Strong knowledge of personal computers, Microsoft Office and other departmental software. Ability to prepare documents and compose business letters and memorandums. Ability to maintain confidentiality of customer and employee information. Self‑starter able to work independently. Strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process. Ability to work at a faster than average pace and multi‑task. Work Environment Accustomed to a professional, business office environment in manner and dress; exhibits excellent human‑relation skills with customers and bank associates; willing to participate as a team member; committed to the bank’s mission and goals. Dimensions Required Provides commercial loans in compliance with the bank’s policies and procedures. Bachelor’s Degree in Business, Finance or equivalent work experience in a related field and 3–5 years of previous commercial lending experience in a bank or loan setting. Work Location 1815 Little Rd, Trinity, Florida 34655 Equal Opportunity Employer, including disabled/veterans. #J-18808-Ljbffr SSB002 SOUTHSTATE BANK, NATIONAL ASSOCIATION