<p>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.</p><p>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!</p><p><b>SUMMARY/OBJECTIVES</b></p><p>RESPONSIBLE TO ASSIST SOUTH STATE 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 GRADING, AND EFFECTIVELY COMMUNICATING FINDINGS TO MANAGEMENT AT THE SAME TIME PROVIDING A FORCE FOR POSITIVE CHANGE IN THE BANK.</p><p><b>ESSENTIAL FUNCTIONS</b></p><p>1.Conduct comprehensive Ongoing Monitoring of most complex commercial loans, including an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity.</p><p>2.Will typically lead (Reviewer-in-Charge) Credit Process/Target Reviews of the most complex commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios.A full Credit Process Review will generally include an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity.</p><p>3.Participate in Credit Process/Target Reviews of all levels of commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios.</p><p>4.Validate credit/financial information to verify the credit worthiness of the borrower/guarantors and validity of the loan/credit relationshipgrade.</p><p>5.Validate selected loan and collateral documentation for adequacy, adherence to loan policy andenforceability.</p><p>6.Responsible for the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).</p><p>7.Communicate with loan officers, underwriters, portfolio managers, analysts, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based onfindings.</p><p>8.Owning and managing follow-up items resulting from the review and reporting the resolution of those items in reviewdocumentation.</p><p>9.Attend various loan committee meetings and other relevant meetings asappropriate, including periodic touch base meetings with key stakeholders.</p><p>10.Mentor less experienced teammates (e.g., Loan Review Officers I and II) and serve as Subject Matter Experts on assigned portfolios and conduct training as needed.</p><p>11.Embrace change and serve as a positive catalyst for change.Foster an environment that encourages continuous improvement and assist the Director of the Credit Risk Review and the Credit Risk Review Managerwith implementation of continuous improvement initiatives.Develop ideas to increase the continued advancement and effectiveness of the Loan Review function.</p><p><b>PRO BEHAVIORS</b></p><p>*Proficient to Expert level of Emotional Intelligence.Able to interpret one\'s own and other\'s emotions and behaviors in order to manage situations effectively.</p><p>*Is a Subject Matter Expert and has strong cross-functional relationships.</p><p>*Establishes high expectations for accomplishment and accountability fueled by passion to win and exceed goals.Work reflects credibility, accuracy, and appropriate time management.</p><p>*Proficient writing skills to effectively communicate in a clear, concise and persuasivemanner.</p><p>*Ability to evaluate all facts independently and objectively before makingdecisions.Displays a healthy level of skepticism and challenges the status quo.</p><p>*Listens well and is willing to consider the opinions ofothers.</p><p>*Ability to make sound decisions and can recognize potential problems and propose recommendations for correctiveaction.Drives change within the organization.</p><p>*Must be well-organized, accurate, and attentive todetail.</p><p>*Self-starter and able to workindependently.</p><p>*Displays a leadership presence with the ability to interact with senior management, regulators, loan officers, underwriters, portfolio managers, analysts, credit administrators and othermanagement.</p><p>*Cooperative and willing to assistothers.</p><p>*Willing to take advantage of training opportunities as available to enhance knowledge and job skills.</p><p>*Professional inappearance.</p><p>*Regular attendance isnecessary.</p><p>*This job description in no way states or implies that these are the only duties to be performed by the employee in this position. The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by theirsupervisor.</p><font>WORK ENVIRONMENT</font><p>Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relation skills with bank associates. Must be willing to participate as a team member.</p><font>PHYSICAL DEMANDS</font><p>No unusual physical demands required for this job. Must be able to do sedentary work. May occasionally lift up to 25 pounds to perform job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the bank, to include evenings and weekends.</p><font>TRAVEL</font><p>This position requires occasional travel to various regions of the bank for training, and meetings with loan officers, credit team members and management.</p><font>QUALIFICATIONS AND EDUCATIONAL REQUIREMENTS</font><ul><li>Education: College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.</li><li>Minimum of seven years of credit review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience.</li><li>Computer literacy. Proficient in Microsoft Office applications.</li><li>General banking experience required</li></ul><font>OTHER DUTIES</font><p>This job description in no way states or implies that these are the only duties to be performed by the employee occupying the position. The employee will be required to follow other job-related instructions and to perform other job-related duties requested by their supervisor.</p><p>This document does not create an employment contract, implied or otherwise, other than an \"at will\" employment relationship.</p>In accordance with Colorado law: Colorado pay for this position is anticipated to be between $113,320.00 - $181,018.00 , actual offers to be determined based on applicant\'s skills, experience and education.While the anticipated deadline for the job posting is 09-04-2025, we encourage you to submit your application as we may still consider qualified candidates beyond this date.<p>Benefits | SouthState Careers</p><p>Equal Opportunity Employer, including disabled/veterans.</p> #J-18808-Ljbffr Salary: USD 113320 - 181018 per year Experience: 5 years required