Commercial Portfolio Manager

Commercial Portfolio Manager II Location: 46 Broad Street Charleston, South Carolina 29401. Responsibilities Supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial, CRE or Middle Market) by providing quality underwriting, sound portfolio management, and superior client service. Analyzes financial information to evaluate the creditworthiness of new loan requests, renewal requests, and ongoing portfolio management activities within bank policies and procedures. Completes industry research as needed, supporting existing and new customers. Compiles commercial loan packages (non‑BL and BLE) ensuring completeness and accuracy; includes a written credit memo, financial analysis, risk grading, and recommendation. Performs additional credit analysis using in‑depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tool). Guides loan requests through the Credit Approval Process, ensuring 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 covenant testing, annual servicing review, and exception clearing. Grades risk of each loan per policy and recommends adjustments as circumstances change. Assists Relationship Manager with credit presentations to Credit Officer and other leaders and committees. Ensures all required documentation is in file for loans and treasury approvals. Works with the Relationship Manager and Loan Assistant to clear documentation or compliance deficiencies. Accompanies the Relationship Manager on calls with existing and prospective customers. Builds and maintains positive relationships with internal business partners (Loan Operations, Credit Officers, etc.). Undertakes special projects related to job function as directed by Credit Administration Leadership. Continuously updates skills via professional training and cross‑training offered by the Bank. Works to minimize past‑due loans. Serves as a trusted advisor to clients and prospects within the context of risk management. Demonstrates commitment to fair lending practices and stays knowledgeable of all applicable laws, regulations, and bank policies. Assists in compliance with regulatory requirements including BSA, AML, CIP, and OFAC. Qualifications 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 4–6 years in credit analysis, commercial banking, or business banking with at least 2 years of portfolio management or underwriting experience. Familiarity with loan structuring and documentation required. In‑depth knowledge of federal and state lending regulations and bank lending procedures. Excellent oral and written communication skills. Proficient in Microsoft Excel and Word; strong organizational skills; high attention to detail. Excellent interpersonal skills, effective listening, multitasking abilities, and ability to remain composed under pressure. Training Requirements South State Bank credit policies, procedures, and underwriting standards. Annual regulatory and compliance training. Additional training as needed. Continuously updates skills through professional training and cross‑training offered by the Bank. Supervisory Responsibility None. Physical Demands 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. Equal Opportunity Employer Equal Opportunity Employer, including disabled/veterans. #J-18808-Ljbffr