Portfolio Credit Risk Officer

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

It is the responsibility of the Portfolio Credit Risk Officer to take ownership of all tasks and challenges they encounter in the operation of their assigned position.

ESSENTIAL FUNCTIONS

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

• Ensure compliance and enforcement of all Bank, State, Federal, and regulatory policies, with emphasis placed on loan policies and procedures.

• Proactively explore opportunities to improve and streamline information flow to all users of credit administration information.

• Assist in the gathering, documenting and validation of critical loan term, collateral and credit stress testing inputs.

• Manage the mapping of critical loan term, collateral and credit management inputs to the Stress Testing model and the subsequent testing of that data set.

• Understand the Bank's stress test models to assist in the development of, and ongoing improvement of key processes.

• Assist in the development and construction of complex portfolio and loan level reports on the stress testing results suitable for distribution to the Board of Directors, Executive Management, Bank Regulators, various loan committees, and other departments throughout the bank as well as other reports for the Chief Credit Officer.

• Manage the sharing of inputs and results with those departments to which the results are down streamed, currently Treasury Analytics.

• Contribute to efforts to enhance the bank's stress testing program including analysis, validation and reporting stress test results.

• Assist in the identification, mapping and testing of new stress testing software.

• Work independently, autonomously and professionally interact with others included but limited to lenders, Credit Administrators, regulators, external and internal auditors, Executive Management, Senior Management and others.

• Demonstrate problem solving capabilities, the flexibility to adapt to an ever-changing environment, and the ability to synergize ideas with peers and co-workers.

• Adhere to the Bank's policies and procedures in completing account reconciliations and journal entry transactions, minimizing operational errors and maintaining a proper work flow.

• Respond timely, accurately, and efficiently to ad hoc requests.

• Provide quality and timely support to both the internal and external audit process throughout the year.

• Provide quality and timely support to both Model Risk Management and Vendor Management processes.

• Present a neat and professional personal appearance, in accordance with Bank policy.

• Know and follow the branch's security and audit procedures and understand the function and operation of the security devices.

• Assure all confidential information is properly safeguarded in accordance with Bank policies.

COMPETENCIES

• Proficient in MS Office suites

• Strong banking knowledge

• Strong mathematic abilities

• Well-organized, accurate, and high attentive to detail.

Qualifications and Education Requirements

• Education: Bachelor's Degree (Graduate Degree encouraged)

• Experience: Banking, Accounting, Finance, or IT experience; minimum of 2 years' experience of credit analysis and credit underwriting experience.

• Knowledge: Strong interpersonal skills, proficient computer skills, ability to multitask and prioritize projects, and capability to manage, develop and motivate personnel.

TRAINING REQUIREMENTS/CLASSES

On the job training and any additional training as needed (i.e. MS Excel, nCino Commercial Banking Platform, Core Processing System and Report Writing and Processing Program). Required annual compliance and continuing education training.

RECOMMENDED ADDITIONAL TRAINING

• New Employee Orientation, Product Knowledge Class; nCino training;

• Additional training required as necessary

SUPERVISORY RESONSBILITY

N/A

PHYSICAL DEMANDS/WORK ENVIRONMENT

Must be able sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents, and reports.

TRAVEL

Periodic travel is required.

Equal Opportunity Employer, including disabled/veterans.