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. A Commercial Relationship Manager is responsible for originating commercial loans and for cross-selling Bank products to commercial accounts. Incumbents are expected to meet or exceed production goals.
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, and 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.
- Presents 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 account 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-sells 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.
- Requires strong knowledge of personal computer, Microsoft Office and other software used in department.
- Must be able to prepare documents and compose business letters and memorandums.
- Must be able to maintain confidentiality of customer and employee information.
- Must be a self-starter and able to work independently.
- Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
- Must be able to work at a faster than average pace and able to multi-task.
Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relation skills with customers and bank associates. Must be willing to participate as a team member. Must be committed to the Banks 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 related field and 3-5 years of previous commercial lending experience in a bank or loan setting