Credit Risk Review Governance & Practices Manager (Remote)

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

It is the responsibility of the Credit Risk Review (CRR) Governance & Practices Manager to take ownership of all tasks and challenges that they encounter in the operation of their assigned position.  Responsible for the oversight and successful operational execution of SouthState Bank’s CRR Program and supports SouthState Bank’s Enterprise Risk Management Framework. The CRR Governance & Practices Manager and direct report(s) support the Director of CRR in achieving department objectives which will assist SouthState Bank, N.A. in achieving its objectives of operating a sound and profitable financial institution by independently evaluating the credit quality and credit processes of the bank. The primary goals of Credit Risk Review are to accurately evaluate the effectiveness of lending practices and credit-related supervision, identifying unnecessary credit risk in individual loans and various lending unit’s loan portfolios, confirming the effectiveness of loan risk ratings, and effectively communicating findings to management and the Board of Directors at the same time providing a force for positive change in the bank.

ESSENTIAL FUNCTIONS

• Assists the Director of Credit Risk Review in planning, developing, and implementing the Program and procedures of the CRR function with the objectives of developing a robust risk-based culture, assuring compliance with loan policies and procedures, compliance with regulatory and audit requirements and the minimization of credit losses.
• Responsible for the ongoing management and governance oversight of the Archer Risk Management platform for CRR. Includes CRR tracked Issues and timely and accurate completion of Enterprise Risk Management (ERM) tools, templates, and deliverables (e.g., Risk Register, Q-Up, KRI). Provides effective challenge of CRR Issue Management validation through Quality Assurance (QA) process.
• Assists, directly or via coaching of direct report(s), the Commercial and Consumer/Residential Production teams efforts towards the timely and accurate completion of the CRR Risk Assessment Process (e.g., Credit Quality results). Reconciles completed Risk Assessments against overall SSB credit exposure to identify gaps in portfolio coverage. Drives consistency and provides effective challenge of content, rankings, and sample selection via QA process.
• Oversees CRR’s SOX responsibilities with ERM and Internal/External Audit partners, including the attestation of controls, development of processes and controls, documentation of the control environment, and participating in effective challenge sessions with ERM, Internal Audit, and EY.
• Manages CRR’s Policy and Procedures and promotes adherence to, and consistency with Policy and Procedures through ongoing QA efforts. Responsible for ongoing Policy updates and revisions for presentation to the Board of Directors for approval. Seeks to identify gaps and works with Director of CRR and CRR Production teams to develop and document solutions. Updates Procedures as needed and communicates changes timely with entire CRR team.
• Responsible for CRR’s Quality Assurance program. Complete annual testing schedule to assess all CRR deliverables. Communicate findings with positive intent to Director of CRR and CRR Production teams to drive consistency and promote adherence to Policy, Procedures, and departmental guidance. Recommend solutions to address identified concerns/gaps. Update Policy and Procedures as needed based on findings identified in QA testing.
• Owns and maintains CRR’s 3rd Party review and worksheet technology solution (e.g., BankPoint). Responsible for all operational aspects of BankPoint, including interface with internal IT support, Third Party Risk Management, and external vendor. Manages access / license requests and assists in the development and communication of system upgrades, enhancements, and associated testing. Documents SOC 2 review for Third Party Risk Management.
• Provide input to the CRR Annual Plan and quarterly updates to the Board Risk Committee (includes input to the ACL Report and GLC Report). Responsible for the timely completion and accurate content of CRR management reporting.
• CRR liaison with internal and external 3rd parties (e.g., OCC, Federal Reserve, EY, Internal Audit and ERM) for Exam and ad hoc requests. Meets regularly with 3rd parties or as requested by Director of CRR.
• Assists CRR’s Production teams as needed/requested to advance completion of Annual Plan. Includes assistance with sample selections, communication of Loan Policy updates and serves as resource for SSB loan policies and procedures, development of value-add reporting and departmental templates, and onboarding/system access for new teammates.
• Oversight responsibility to manage and track adherence to CRR department and individual goals (e.g., Coverage, Training, Production).
• Participates in CRR’s Continuous Improvement Process and assists Director of CRR with oversight and management of Process.
• Serves as central point of distribution for CRR Review Reports.
• Maintains Department Shared Drive, document storage, and manages CRR’s record retention process.
• Participates in Due Diligence efforts.
• Responsible for all operational aspects of Credit Risk Review conversion and integration in acquisitions and mergers.
• May serve as Reviewer-in-Charge of specialized Review efforts to support completion of the Annual Plan (e.g., Concentration Management).
• Supervises direct reports such as Credit Risk Review Analyst. Delegates as appropriate. Coaches, trains, and motivates subordinates.
• Attend various meetings as needed and/or as directed by the Director of CRR.
• Assists Director of CRR with other duties as assigned. Includes assistance with Consumer/Residential CRR plan and review of CRR Credit Process and Target Review Workplans and Reports.
• Assists or leads Strategic Planning process for Strategic Investment department, completes Business Impact Analysis. 
• A member of the CRR Leadership team. Expected to provide leadership and input to the overall success of the CRR department. Provide effective challenge to Director of CRR.
• Advocate for change and serve as a positive catalyst for change.  Leads an environment that encourages continuous improvement and implements continuous improvement initiatives.  Develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

·    Ability to make sound decisions and recognize potential problems and propose recommendations for corrective action.  Drives change within the organization.

·    Must be well-organized, accurate, and attentive to detail.

·    Proficient verbal and written skills to effectively communicate in a clear, concise and persuasive manner.

·    Ability to evaluate all facts independently and objectively before making decisions.  Displays a healthy level of skepticism and challenges the status quo.

Qualifications, Education, and Certification Requirements

• Education: College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.

• Experience: Extensive experience in the Credit Risk Review function, commercial lending, commercial loan underwriting, commercial loan portfolio management, consumer lending, residential lending, and/or loan portfolio review experience. Experience in successfully managing teams. At least five years in CRR or combined experience of 10 years in commercial/consumer/residential, etc. Or a combination of the two. Needs experience, either directly or via CRR, in all lines of business (Commercial, Consumer, Residential). Ideally, management experience of 5+ years.

•  Certifications/Specific Knowledge: Proficient in Microsoft Office applications; General Banking Knowledge

TRAINING REQUIREMENTS/CLASSES

Required annual compliance training, New Employee Orientation, Annual Credit / Leadership training.

PHYSICAL DEMANDS

 Must be able to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers. This position requires a large amount of time in front of a computer.  This can be done sitting or standing with use of the right desk. May occasionally lift up to 25 pounds to perform job.  This position may require bending and reaching.

WORK ENVIRONMENT

For bank office: This position is in an open lobby area with an individual work station. This position is located in a cubicle environment that may be loud throughout the day.  This position is located in a private office.  

For telecommuters or hybrid: Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred.  Requirements are subject to change, as new systems and technology is delivered.

TRAVEL

Travel may be required to come to meetings as needed. This position requires occasional travel to various regions of the bank for training, and meetings with management, regulators, and Board of Directors.

In accordance with Colorado law: Colorado pay for this position is anticipated to be between $124,072.70 - $198,194.75 , actual offers to be determined based on applicant’s skills, experience and education.

While the anticipated deadline for the job posting is 05-09-2025, we encourage you to submit your application as we may still consider qualified candidates beyond this date.

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