Middle Market Portfolio Manager Team Lead

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

  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.

Responsibilities: 

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

• 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 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;, as well as all State and Federal regulations.
• 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 is providing;.Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws.
• 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;

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

COMPETENCIES

• Expert credit analysis and evaluation skills.  Thorough understanding of complex capital structures in a variety of industries
• Excellent interpersonal skills
• Confident and Independent risk mindset and critical thinking skills
• Excellent interpersonal skills
• Advanced technical writing skills
• Strong organization skills
• Effective leadership skills, including expectations setting and performance inspection
• Proactive recruiting and interviewing experience and skill, including the ability to discern candidate skill and functional readiness for a Middle Market Portfolio Manager role
• Proficient in Microsoft Excel and Word
• Strong organization skills
• High attention to detail
• Excellent listening skills demonstrated by the ability to listen to others talk, understand them, and then propose solutions or make contributions based on the points made by others
• Possesses multi-tasking skills and is able to function at high performance level with multiple priorities
• Ability to manage multiple priorities at the same time
• Ability to remain composed under pressure and respond to customer and coworker concerns regularly

Qualifications, Education, and Certification Requirements

• Education: Four-year degree in Business Administration, Finance, Accounting or related field; Graduation from a recognized school of banking is an asset or equivalent experience
• 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.  Experience working in syndicated loan transactions, private equity owned borrowers, monitored operating or asset-based lending lines, fund finance preferred.    
• Knowledge: Knowledge in accounting and lending principles, as well as excellent oral verbal and written communication skills. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.

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RAINING REQUIREMENTS/CLASSES

Required annual compliance training; New Employee Orientation

PHYSICAL DEMANDS

Must be able to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers. This position requires a large amount of time in front of a computer.  This can be done sitting or standing with use of the right desk. This position may require bending and reaching.

TRAVEL

This position may include periodic require travel.

WORK ENVIRONMENT

Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred.  Requirements are subject to change, as new systems and technology is delivered. Travel may be required to come to meetings as needed.

Work Location: 7777 Henneman Way McKinney, Texas 75070

Equal Opportunity Employer, including disabled/veterans.