What are the responsibilities and job description for the Commercial Relationship Manager III position at South State Bank?
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.
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.
- 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
- 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 well-organized, accurate, and attentive to detail.
- Must stay abreast of department and company policies/changes and be adaptable to those changes.
- Be a team player in recommending and referring additional products and services to other lines of business within the company.
PHYSICAL DEMANDS
Must be able to do sedentary work. May occasionally lift up to 25 pounds to perform job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the Bank, to include evenings and weekends.
WORK ENVIRONMENT
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 Bank's mission and goals.
DIMENSIONS REQUIRED:
Provides commercial loans in compliance with the Bank’s policies and procedures 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
Requires knowledge of office practices, procedures and general office machines.
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