SouthState Bank · 3 hours ago
Middle Market Portfolio Manager II
Raleigh, NC
Full-time
Onsite
Senior Level, Lead/Staff
8+ years expSouthState Bank is a trusted financial partner known for its commitment to helping customers move forward. The Middle Market Portfolio Manager II supports the loan and deposit portfolio, providing quality underwriting, sound portfolio management, and superior client service while collaborating with Relationship Managers.
BankingFinanceFinancial ServicesLendingWealth Management
Responsibilities
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 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
Writes and constructs commercial loan packages 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 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
Creates models, when necessary, to evaluate complex or specialized credit transactions
Guides the loan request through the Credit Approval Process and ensures that structure meets the needs of the client and the operating objectives of the Bank
Assures compliance with State and Federal regulations and Bank policies and procedures
Monitors and services the loan portfolios of the supported 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
Accompanies Relationship Manager on calls with existing and/or prospective Customers as requested
Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Internal Credit Risk Review, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.)
Undertakes special projects related to job function as determined by Credit Administration Leadership
Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank
Works with Relationship Manager, Credit Administrators and Loan Officer Assistant to minimize past due loans
As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management
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
Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace
Stays abreast of products and services offered by the Bank
Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti- Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities
Accepts other duties as assigned
Qualification
Required
Education: Four-year degree in Business Administration, Finance, Accounting or related field; Masters in Business Administration is preferred
Experience: Minimum of 8 years of experience in credit analysis, commercial and industrial/Middle Market banking, business banking with at least 5 years of specific portfolio management and/or underwriting experience. Seasoned in underwriting of complex Middle Market profile loan opportunities or experienced in a wide breadth of more complex commercial underwriting activities. Familiarity with loan structuring and loan documentation is required
Knowledge: Knowledge in accounting and lending principles, as well as excellent verbal and written communication skills. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures
Preferred
Experience working in syndicated loan transactions, private equity owned borrowers, monitored operating or asset-based lending lines, fund finance preferred
Masters in Business Administration is preferred
Company
SouthState Bank
The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2013-08-09IPO
Leadership Team
D
Dan Bockhorst
Executive Vice President Chief Credit Officer
Recent News
2025-12-16
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