Sr Credit Risk Review Officer-2

As a leading bank, SouthState has been providing financial solutions to individuals, families, and businesses 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.

JOB DESCRIPTION

SUMMARY/OBJECTIVES

RESPONSIBLE TO ASSIST SOUTH STATE 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 GRADING, AND EFFECTIVELY COMMUNICATING FINDINGS TO MANAGEMENT AT THE SAME TIME PROVIDING A FORCE FOR POSITIVE CHANGE IN THE BANK.

ESSENTIAL FUNCTIONS

Conduct comprehensive Ongoing Monitoring of most complex commercial loans, including an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity. Will typically lead (Reviewer-in-Charge) Credit Process/Target Reviews of the most complex commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios. A full Credit Process Review will generally include an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity. Participate in Credit Process/Target Reviews of all levels of commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios. Validate credit/financial information to verify the credit worthiness of the borrower/guarantors and validity of the loan/credit relationship grade. Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability. Responsible for the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s). Communicate with loan officers, underwriters, portfolio managers, analysts, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on findings. Owning and managing follow-up items resulting from the review and reporting the resolution of those items in review documentation. Attend various loan committee meetings and other relevant meetings as appropriate, including periodic touch base meetings with key stakeholders.

Mentor less experienced teammates (e.g., Loan Review Officers I and II) and serve as Subject Matter Experts on assigned portfolios and conduct training as needed. Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement and assist the Director of the Credit Risk Review and the Credit Risk Review Manager with implementation of continuous improvement initiatives. Develop ideas to increase the continued advancement and effectiveness of the Loan Review function.

PRO BEHAVIORS

• Proficient to Expert level of Emotional Intelligence. Able to interpret one's own and other's emotions and behaviors in order to manage situations effectively.
• Is a Subject Matter Expert and has strong cross-functional relationships.
• Establishes high expectations for accomplishment and accountability fueled by passion to win and exceed goals. Work reflects credibility, accuracy, and appropriate time management.
• Proficient writing 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.
• Listens well and is willing to consider the opinions of others.
• Ability to make sound decisions and can recognize potential problems and propose recommendations for corrective action. Drives change within the organization.
• Must be well-organized, accurate, and attentive to detail.
• Self-starter and able to work independently.
• Displays a leadership presence with the ability to interact with senior management, regulators, loan officers, underwriters, portfolio managers, analysts, credit administrators and other management.
• Cooperative and willing to assist others.
• Willing to take advantage of training opportunities as available to enhance knowledge and job skills.
• Professional in appearance.
• Regular attendance is necessary.
• This job description in no way states or implies that these are the only duties to be performed by the employee in this position. The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by their supervisor.

Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relation skills with bank associates. Must be willing to participate as a team member.

No unusual physical demands required for this job. 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.

This position requires occasional travel to various regions of the bank for training, and meetings with loan officers, credit team members and management.

• Education: College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.
• Minimum of seven years of credit review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience.
• Computer literacy. Proficient in Microsoft Office applications.
• General banking experience required

This job description in no way states or implies that these are the only duties to be performed by the employee occupying the position. The employee will be required to follow other job-related instructions and to perform other job-related duties requested by their supervisor.

This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.