Credit Risk Review Governance & Practices Manager (Remote)

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

It is the responsibility of the Credit Risk Review (CRR) Governance & Practices Manager to take ownership of all tasks and challenges that they encounter in the operation of their assigned position.  Responsible for the oversight and successful operational execution of SouthState Bank’s CRR Program and supports SouthState Bank’s Enterprise Risk Management Framework. The CRR Governance & Practices Manager and direct report(s) support the Director of CRR in achieving department objectives which will assist SouthState 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 risk ratings, and effectively communicating findings to management and the Board of Directors at the same time providing a force for positive change in the bank.

ESSENTIAL FUNCTIONS

• Assists the Director of Credit Risk Review in planning, developing, and implementing the Program and procedures of the CRR function with the objectives of developing a robust risk-based culture, assuring compliance with loan policies and procedures, compliance with regulatory and audit requirements and the minimization of credit losses.
• Responsible for the ongoing management and governance oversight of the Archer Risk Management platform for CRR. Includes CRR tracked Issues and timely and accurate completion of Enterprise Risk Management (ERM) tools, templates, and deliverables (e.g., Risk Register, Q-Up, KRI). Provides effective challenge of CRR Issue Management validation through Quality Assurance (QA) process.
• Assists, directly or via coaching of direct report(s), the Commercial and Consumer/Residential Production teams efforts towards the timely and accurate completion of the CRR Risk Assessment Process (e.g., Credit Quality results). Reconciles completed Risk Assessments against overall SSB credit exposure to identify gaps in portfolio coverage. Drives consistency and provides effective challenge of content, rankings, and sample selection via QA process.
• Oversees CRR’s SOX responsibilities with ERM and Internal/External Audit partners, including the attestation of controls, development of processes and controls, documentation of the control environment, and participating in effective challenge sessions with ERM, Internal Audit, and EY.
• Manages CRR’s Policy and Procedures and promotes adherence to, and consistency with Policy and Procedures through ongoing QA efforts. Responsible for ongoing Policy updates and revisions for presentation to the Board of Directors for approval. Seeks to identify gaps and works with Director of CRR and CRR Production teams to develop and document solutions. Updates Procedures as needed and communicates changes timely with entire CRR team.
• Responsible for CRR’s Quality Assurance program. Complete annual testing schedule to assess all CRR deliverables. Communicate findings with positive intent to Director of CRR and CRR Production teams to drive consistency and promote adherence to Policy, Procedures, and departmental guidance. Recommend solutions to address identified concerns/gaps. Update Policy and Procedures as needed based on findings identified in QA testing.
• Owns and maintains CRR’s 3rd Party review and worksheet technology solution (e.g., BankPoint). Responsible for all operational aspects of BankPoint, including interface with internal IT support, Third Party Risk Management, and external vendor. Manages access / license requests and assists in the development and communication of system upgrades, enhancements, and associated testing. Documents SOC 2 review for Third Party Risk Management.
• Provide input to the CRR Annual Plan and quarterly updates to the Board Risk Committee (includes input to the ACL Report and GLC Report). Responsible for the timely completion and accurate content of CRR management reporting.
• CRR liaison with internal and external 3rd parties (e.g., OCC, Federal Reserve, EY, Internal Audit and ERM) for Exam and ad hoc requests. Meets regularly with 3rd parties or