Credit Officer I

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

SUMMARY/OBJECTIVES

This position is primarily responsible for managing the Bank’s credit risk through the prudent and sound use of delegated loan approval authority.  The Credit Officer analyzes loan requests, renewals and modifications (prepared jointly by Credit Analysts, Portfolio Managers, and Relationship Managers) to determine the likelihood of repayment, ensure that loan terms, structure, covenants and conditions are appropriate, arrive at a final approve/decline decision, and assign an appropriate risk rating.   Credit Officers must be well-versed in sound lending principles, the Bank’s loan policy, and current Federal and state laws and regulations.  The Credit Officer is expected to proactively identify and communicate ideas for improving the credit administration process.  Finally, the Credit Officer acts as a commercial lending and credit mentor, coach, and liaison to teammates across the organization.

ESSENTIAL FUNCTIONS

This position is expected to perform the duties, tasks, and responsibilities as outlined below:

·        Read, analyze and synthesize large amounts of information (e.g., spreads, credit memorandums, financial statements, audits, loan documents, leases, appraisal and environmental reports, etc.);

·        Perform relevant underwriting calculations and financial statement ratios;

·        Know and stay abreast of economic conditions;

·        Determine appropriate loan amounts and credit limits;

·        Coordinate approvals with Relationship Managers;

·        Supervise underwriters to verify correct completion of duties;

·        Approving credits within nCino and maintaining accurate credit files;

·        Follow strict confidentially procedures;

·        Ensure risk ratings are appropriately assigned during the new loan/renewal approval process;

·        Perform duties within established service level agreements (i.e., SLAs);

·        Coach, mentor and develop staff (i.e., Portfolio Managers)

·        Drive strict compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines;

·        Assistance other employees by liaising with them through healthy and positive interactions;

·        Participate in marketing endeavors/efforts;

·        Continuously update skills through Bank and third-party training; and

·        All other tasks, responsibilities or duties, as directed by management.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

·        Interpersonal skills:

o   Must have active listening skills (i.e., the ability to listen to others (without interruption), seek genuine understanding, and propose relevant and appropriate ideas).

o   Patient and willing to help internal and external stakeholders solve problems while maintaining a positive attitude.

o   Strong communication skills (written and verbal).

o   Composed u