What are the responsibilities and job description for the Middle Market Relationship Manager I - Nashville, TN position at SouthState Bank, N.A.?
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 Middle Market Banker I to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Has responsibility for developing new middle market business through consultative sales efforts. Manages a high level and emerging loan and deposit portfolio providing superior client service. Analyzes financial information to evaluate the credit worthiness of loan requests. Together with portfolio managers, compiles loan packages ensuring completeness and accuracy of information provided. Works with Bank's product teams to cross-sell products and services of the Bank. Assures that all loans are following State and Federal regulations and Bank policies and procedures. Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, and ability to build successful relationships.
ESSENTIAL FUNCTIONS
Actively participates in a business development plan to build and retain full banking relationships with operating companies that have revenues more than $25,000,000 or otherwise complex C&I opportunities
Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions
Partner with Market Presidents, Middle Market Sales Leaders, senior Middle Market bankers, Portfolio Managers, Commercial Associates and Credit Officers to successfully prospect, manage portfolio, and underwrite credit opportunities
Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, Mortgage, and Retail
Manage the flow of credit requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meeting the needs of the client and the operating objectives of the Bank
Underwrite loan requests within the parameters of the Bank's policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
Manage and service assigned loan portfolio and provide superior service to clients
Create, maintain, and utilize an appropriate COI network relevant to Middle Market, which will promote the Bank's market presence and result in referrals for both the bank and COI
Ensure that all required documentation is in file for all loans and deposits
Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
Price each loan and deposit product according to current Bank pricing guidelines
Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
Demonstrate a commitment to fair lending practices
Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
COMPETENCIES
Must have well-developed sales, interpersonal, negotiating, and problem-solving skills. Excellent written and verbal communication skills are necessary. Must have accounting and extensive credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Must exhibit excellent time management skills. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficient use of Microsoft Word, Excel, and Outlook is necessary.
Qualifications, Education, and Certification Requirements
Education: A Bachelor's degree in business, finance, banking, or related field is required. Formal bank credit training program completion is required. An MBA and/or graduation from a recognized school of banking is an asset
Experience: Minimum of 5 years middle market / commercial lending / middle market credit / capital markets experience; Experience should include significant loan structuring and credit analysis responsibilities as well as client origination activities
Certifications/Specific Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.
TRAINING 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. 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.
WORK ENVIRONMENT
This position is in a private office.
Equal Opportunity Employer, including disabled/veterans.
CenterState Bank is an Equal Opportunity Employer Veterans/Disabled and will not discriminate against applicants or employees on the basis of race, color, religion, gender, sexual orientation, marital status, age, national origin, ancestry, gender identity, disability, genetic testing, service in the military, citizenship status or any other characteristics protected by federal, state or local law. CenterState also prohibits harassment of applicants or employees based on any of these protected categories.