Middle Market Portfolio Manager I

3 weeks ago

Atlanta, United States SouthState Bank, N.A. Full time

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 Middle Market Portfolio Manager I supports the Middle Market loan and deposit portfolio of one or more Middle Market Relationship Managers providing quality underwriting, sound portfolio management and superior client service.

ESSENTIAL FUNCTIONS

  • Analyzes financial information to evaluate the credit worthiness of new loan requests of Middle Market Customers and Prospects, renewal loan requests and on-going Portfolio Servicing activities through thorough and accurate analyses within the parameters of the Bank's policies and procedures;
  • Demonstrates ability to critical challenge to business thesis and other critical credit risk components;
  • Completes industry research, as needed, supporting existing and new Customers to the Bank;
  • Writes and constructs commercial loan packages 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 Obligors and the proposed transaction(s), critical analysis of the potential risk to the Bank including relevant sensitivity analysis, free cash flow analysis and projection modeling, proper risk grading and discussion and a thoughtful recommendation;
  • Guides the loan request through the Credit Approval Process and ensures that structure meets the needs of the client and the operating objectives of the Bank;
  • Assures compliance with State and Federal regulations and Bank policies and procedures;
  • Monitors and services the loan portfolios of the supported Relationship Managers 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. In conjunction with ongoing servicing activities, when justified, proactively recommends adjustments to risk grades as circumstances change or new information becomes available;
  • Ensures current awareness of the Bank's Risk Appetite and includes consideration of appetite into recommendations within the Middle Market loan pipeline and portfolio;
  • Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank;
  • Ensures that all required internal documentation is in the Bank's official file of record for all loans and treasury management approvals. Works with the Relationship Manager and the Loan Officer Assistant to help clear documentation or compliance deficiencies noted by Loan Operations or other review;
  • Accompanies Relationship Manager on calls with existing and/or prospective Customers as requested;
  • Builds and maintains positive working relationships with internal business partners (Loan Operations, Credit Administrators, Internal Credit Risk Review, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.);
  • Undertakes special projects related to job function as determined by Credit Administration Leadership;
  • Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank;
  • Works with Relationship Manager, Credit Administrators and Loan Officer Assistant to minimize past due loans;
  • As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management;
  • Demonstrates a commitment to fair lending practices. Remains knowledgeable of all laws and regulations governing the lending activities of financial institutions. Ensures compliance with all applicable Bank policies and procedures;
  • Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank's image and reputation in the marketplace;
  • Stays abreast of products and services offered by the Bank;
  • Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti- Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities;
  • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

OTHER DUTIES

  • Accepts other duties as assigned

COMPETENCIES

  • Expert credit analysis and evaluation skills. Thorough understanding of complex capital structures in a variety of industries
  • Confident and Independent risk mindset and critical thinking skills
  • Excellent interpersonal skills
  • Advanced technical writing skills
  • Strong organization skills
  • Proficient in Microsoft Excel and Word
  • High attention to detail
  • Cooperative and willing to assist coworkers and customers on a regular basis
  • Comfortable reaching out to peers and leadership in the effort to gain knowledge and experience
  • Excellent listening skills demonstrated by the ability to listen to others talk, understand them, and then propose solutions or make contributions based on the points made by others
  • Ability to manage multiple priorities at the same time
  • Ability to remain composed under pressure and respond to customer and coworker concerns regularly

Qualifications and Education Requirements

  • Education: Four-year degree in Business Administration, Finance, Accounting or related field; Masters in Business Administration is preferred
  • Experience: Minimum of 8 years of experience in credit analysis, commercial and industrial/Middle Market banking, business banking with at least 5 years of specific portfolio management and/or underwriting experience. Familiarity with loan structuring and loan documentation is required. Experience working in syndicated loan transactions, private equity owned borrowers, monitored operating or asset-based lending lines, fund finance preferred.
  • Knowledge: Knowledge in accounting and lending principles, as well as excellent verbal and written communication skills. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.

TRAINING REQUIREMENTS/CLASSES

  • South State Bank credit policies, procedures and underwriting standards
  • Annual regulatory and compliance training
  • Additional training may be required, as needed

RECOMMENDED ADDITIONAL TRAINING

  • New Employee Orientation

Supervisory Responsibility

  • None

PHYSICAL DEMANDS/WORK ENVIRONMENT

  • Must be able to stand and/or sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents and reports.

TRAVEL

This position may include periodic travel.

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