Commercial Relationship Manager II in Athens or Gainsville, GA

4 weeks ago


Athens, Georgia, United States SouthState Bank, N.A. Full time

As a leading regional bank, SouthState Bank, N.A. has been providing financial solutions to individuals, families, and businesses in the Southeast for over a century. Our 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 Bank a great place to bank, and a great place to work.

SUMMARY/OBJECTIVES

Responsible for developing new business through sales efforts in a SouthState metropolitan market. Manages a high-level loan and deposit portfolio providing superior client service. Analyzes financial information to evaluate the credit worthiness of loan requests. Compiles loan packages ensuring completeness and accuracy of information provided. Sells and cross-sells additional products and services of the Bank. Ensures that all loans are in compliance with State and Federal regulations and Bank policies and procedures. Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships internally and externally.

ESSENTIAL FUNCTIONS

  • Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a SouthState metro market
  • Develops consultative relationships with prospects and clients in order to add value by delivering appropriate banking solutions
  • Manages the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure and pricing meeting the needs of the client and the operating objectives of the Bank
  • Collaborates effectively with Treasury Management Sales Officers, Capital Markets, Wealth and Retail
  • Underwrites loan requests within the parameters of the Bank's policies and procedures. Ensures the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval.
  • Manages and services assigned loan portfolio
  • Ensures that all required documentation is in file for all loans and deposits
  • Clears documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
  • Partners with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
  • Priced each loan and deposit product according to current Bank pricing guidelines
  • Documents the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
  • 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, as well as all State and Federal regulations
  • Resolves client problems and assists with general inquiries
  • Provides superior service to existing clients
  • Builds and maintains a positive working relationship with COI's and others in the community to enhance the Bank's image and reputation in the marketplace

Qualifications, Education, and Certification Requirements

Education: A Bachelor's degree in business, finance, banking or related field is required. Graduation from a recognized school of banking is an asset.

Experience: Minimum of 5-10 years commercial lending experience; Experience should include previous loan structuring and credit analysis responsibilities

Knowledge: Extensive knowledge of all Bank products, services, procedures and practices; Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.

Skills:

Must have well-developed sales, interpersonal and negotiating skills. Excellent written and verbal communication skills are necessary. Must have basic accounting and credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficiency in the use of Microsoft Word Excel, Outlook is necessary.

TRAINING REQUIREMENTS/CLASSES

Required annual compliance training, New Employee Orientation

PHYSICAL DEMANDS

Must be able to effectively access and interpret information on computer screens, documents, reports. 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.

WORK ENVIRONMENT

This position is located in a private office.

TRAVEL

This position may require some travel from time to time.



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