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 Analyze financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on‑going portfolio management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures. Complete industry research, as needed, supporting existing and new customers to the bank. Compile commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided, including a written credit memo, financial analysis, risk grading and recommendations. Perform additional credit analysis through more in‑depth tools outside of the traditional spreads and global cash flow (e.g., CRE analysis tool). Guide the loan request through the Credit Approval Process, ensuring the structure meets client needs and the bank’s operating objectives. Ensure large commercial loan relationships comply with State and Federal regulations and bank policies. Monitor and service large commercial loan portfolios through centralized covenant testing, annual servicing reviews and exception clearing. Grade risk of each loan in the assigned portfolio per policy and recommend adjustments as circumstances change. Assist the Relationship Manager in credit presentations to Credit Administration and other leaders and committees at the bank. Ensure all required documentation is in file for all loans and treasury management approvals. Work with the Relationship Manager and the LOA to clear documentation or compliance deficiencies noted by Loan Operations or other reviews. Periodically accompany the Relationship Manager on calls with existing and/or prospective customers as requested. Build and maintain positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel). Undertake special projects related to job function as directed by Credit Administration Leadership. Continuously update skills by participating in professional training and cross‑training offered by the bank. Work with the Relationship Manager, Credit Administrators and Loan Assistant to minimize past‑due loans. Serve as a trusted advisor to clients and prospects within the context of risk management. Demonstrate a commitment to fair lending practices and remain knowledgeable of all laws and regulations governing lending activities. Ensure compliance with all applicable bank policies and procedures, State and Federal regulations, and special requirements such as BSA, AML, CIP and OFAC. OTHER DUTIES Accepts other duties as assigned. COMPETENCIES Excellent interpersonal skills. Proficient in Microsoft Excel and Word. Strong organization skills and high attention to detail. Cooperative and willing to assist coworkers and customers regularly. Effective listening skills – listen without interruption, understand and propose solutions. Can multitask and function well under pressure, remaining composed under stress. Patient and willing to help others solve 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: 4‑6 years of credit analysis, commercial banking, business banking with at least 2 years of specific portfolio management and underwriting experience. Familiarity with loan structuring and documentation is required. Knowledge of accounting and lending principles, federal and state lending regulations, and bank policies related to lending procedures. Excellent oral and written communication skills. TRAINING REQUIREMENTS / CLASSES South State Bank credit policies, procedures and underwriting standards. Annual regulatory and compliance training. Additional training as needed. PHYSICAL DEMANDS / WORK ENVIRONMENT Must be able to stand and/or sit for long periods and effectively access and interpret information on computer screens, documents and reports. TRAVEL This position does not require travel. BENEFITS & WORK LOCATION Work Location: 5950 S. Willow Dr., Ste. 100, Greenwood Village, Colorado 80111. In accordance with Colorado law, anticipated pay for this position is between $87,282.00 and $139,425.00; actual offers will be determined based on applicant’s skills, experience and education. While the anticipated deadline for the job posting is 08‑14‑2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date. 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