Middle Market Portfolio Manager Team Lead

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.

SUMMARY/OBJECTIVES

The Middle Market Portfolio Manager Team Leader position manages a team of Middle Market Portfolio Managers. In addition to leadership and management of a Middle Market Portfolio Management team, this position has the primary responsibility of supporting Middle Market loan portfolios of one or more Relationship Managers. Analyzes financial information to evaluate the credit worthiness of loan requests.  Compiles loan packages ensuring completeness and accuracy of information provided.    Assures that all Middle Market loans are compliant with State and Federal regulations and Bank policies and procedures.  Monitors and Services the Middle Market loan portfolios of the supported Relationship Managers. Other responsibilities include the supervision and delegation of work related to covenant testing and tracking, the loan annual review process and various projects.

ESSENTIAL FUNCTIONS

The primary functions of the Portfolio Manager Team Lead include:

• Manages and leads team of Portfolio Managers.  These responsibilities include training, individual coaching and purposeful development of teammates, effective communication in both team and individual formats. 
• Reviews and decisions Annual Servicing Reviews and other requests within designated loan authority.

• 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 Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures;
• Consistently provides confident credible challenge to business thesis of an opportunity and provides expert opinion on other critical credit risk components;
• Completes industry research, as needed, supporting existing and new Customers to the Bank;
• Compiles Writes and constructs commercial loan packages (non BL and BLE) 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 Borrower, Guarantors 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;.
• Confidently and independently construct and recommend loan structuring for complex transactions;Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool)
• Creates models, when necessary, to evaluate complex or specialized credit transactions;
• Guides the loan request through the Credit Approval Process and insuresensures that structure meets the needs of the client and the operating objectives of the Bank;
• Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures;
• Monitors and services the large commercial loan portfolios of the supported Commercial Bankers 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 Rrecommends 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; 
• Periodically aAccompanies Relationship Manager on calls with existing and/or prospective Customers as requested;
• Builds and maintains a positive working r