Commercial Portfolio Manager II - Homebuilder

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.

SUMMARY/OBJECTIVES

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers (Homebuilder) providing quality underwriting, sound portfolio management and superior client service.

Homebuilder experience a plus.

Essential Functions

• • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Analyzes 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
  • 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 commercial loan package includes, but is not limited to, 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.
  • Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool)
  • Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank
  • Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures
  • Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing
  • Properly grades risk of each loan in the assigned portfolio, per policy. 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. Works with the Relationship Manager and the LOA to help …