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SouthState Bank · 2 days ago

Credit Officer III

Houston Tanglewood

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

SouthState Bank is a trusted financial partner known for its commitment to helping customers move forward. The Credit Officer III is primarily responsible for managing the Bank’s credit risk through the prudent use of loan approval authority, analyzing loan requests, and mentoring staff across the organization.

BankingFinanceFinancial ServicesLendingWealth Management

Responsibilities

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

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

Qualification

Commercial lendingUnderwritingCredit approvalFinancial analysisRegulationsMicrosoft OfficeNCinoInterpersonal skillsCommunication skillsAttention to detailTeam collaborationProblem-solving

Required

Requires Bachelor's Degree in accounting, economics, finance or a related field; Graduation from a recognized school of banking and/or business-related graduate degrees are a plus

Prior commercial lending, underwriting, and credit approval is highly beneficial

Minimum of ten years of experience in commercial banking, business banking and/or portfolio management

Competent to decision deals of advanced complexity, or that required specialized knowledge, arising from multiple market areas

Knowledge of accounting, finance, and lending principles

In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures