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Middle Market Banker-Atlanta Region

South State Bank, National Association

This is a Full-time position in Atlanta, GA posted November 18, 2021.

SUMMARY/OBJECTIVES

Has responsibility for developing new middle market business through consultative sales efforts.

Manages a complex 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 in compliance with 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 in excess of $25,000,000 or otherwise complex C&I opportunities

Develop consultative relationships with prospects and clients in order to add value by delivering appropriate banking solutions

Partner with Market Presidents, Middle Market Sales Leaders, Portfolio Managers, Commercial Associates and Credit Officers to successfully prospect, manage portfolio, and underwrite credit opportunities

May provide peer coaching and mentoring to junior Middle Market Bankers

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

OTHER DUTIES
Appropriate level of community involvement is expected

COMPETENCIES

Qualifications and Education Requirements
Education: A Bachelor’s degree in business, finance, banking or related field is required.

Formal bank credit training program completion is required.

A MBA and/or graduation from a recognized school of banking is an asset

Experience: Minimum of 10 years middle market / commercial lending / capital markets experience; Experience should include significant loan structuring and credit analysis responsibilities as well as client origination activities

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.

Skills: 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.

TRAINING REQUIREMENTS/CLASSES
Required annual compliance training

RECOMMENDED ADDITIONAL TRAINING
New Employee Orientation

PHYSICAL DEMANDS/WORK ENVIRONMENT

TRAVEL
This position may require some travel


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