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

This position is responsible for, but not limited to, serving the Credit Administration staff and Relationship Managers by providing analytical and loan decision support through the preparation of financial statement spreads for commercial loan borrowers, guarantors, and related entities. Additional tasks may be required at the direction of the Director of Commercial Credit Analysts and/or the Director of Credit Services.

ESSENTIAL FUNCTIONS

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

• Performs spreads and credit analysis of commercial borrowers and guarantors, utilizing audited, reviewed, and complied financial statements and tax returns. 

• Performs personal cash flow analysis utilizing individual tax returns and personal financial statements.

• Performs complex spread requests for specialized lending groups: (i.e. middle market loans, franchise finance, not-for-profits, municipalities, homebuilder loans, religious organizations, associations, foreign financials, trusts, bank vendors, and enterprise value loans).

• Uses independent judgement and discretion to appropriately provide detailed Credit Analysis on all spread requests.

• Due to the complexity and significance of the Bank’s loan portfolio, careful judgement and discretion is required to properly assess the risk to the Bank’s mission and goals.

• Demonstrates the ability to work independently with minimal oversight

• Participates and leads various training and mentoring sessions with other Credit Analysts and Commercial Associates.

• Communicates with Relationship Managers, Portfolio Managers, and Credit Administrators as needed to convey concerns and/or risks related to loans.

• Utilizes credit-reporting services to compile reports relating to the credit history of current and potential customers.

• Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy.

• Researches and analyzes financial data, interprets, and prepares reports of financial position and determines if additional information is needed to properly analyze the financial condition of a borrower so that a proper decision is made regarding approval or declination of credit.

• Monitors the financial position of established accounts and brings irregularities to the attention of the loan officer.

• Works with Portfolio Managers to learn the Portfolio Manager role and to assist with underwriting/servicing tasks as needed.

• Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks.

• Works to create a constructive workplace environment that expands positive culture and enhances the Bank’s core values.

• Undertakes special projects that may be deemed of significant importance to the Chief Credit Officer.

• Participates in community related activities.

• Ensures that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with.

• Provides aid to other employees by liaising with them through healthy and positive interactions.

• Continuously updates skills by participating in professional training and development.

• Seeks opportunities to improve skills through cross-training offered by the Bank.

• Position may require regular before/after normal business hours, or regular out-of-town travel

• All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts.

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

Qualifications, Education, and Certification Requirements

• A bachelor’s degree in business, finance, or accounting is recommended to have a good understanding of financial statements and to make industry evaluations.  Finance/accounting related work experience of at least five years in lieu of a college degree in business, finance, and accounting.

• Work as a Commercial Credit Analyst, or similar credit position, for a minimum of one year.

• Knowledge of personal computer, Windows and Microsoft software applications is necessary.

TRAINING REQUIREMENTS/CLASSES

• New Employee Orientation

• Required Annual Compliance Training

• Successful completion (in a reasonable timeframe) of an initial training and review period at the start of the role, at which time the essential functions will be required.

• Various trainings provided by corporate training, credit staff to enhance knowledge of credit process

• Additional trainings as directed by the Director of Commercial Credit Analysts

PHYSICAL DEMANDS

• Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday

• Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift

• Must be able to hear and communicate with coworkers and customers throughout the day

• May need to lift to 25 pounds one to two times a day to perform job

• Position may require regular before/after normal business hours, or regular out-of-town travel.

WORK ENVIRONMENT

• Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank’s grooming and dress codes

• Must demonstrate excellent interpersonal skills with customers and coworkers

• Must be willing to function as a team member

• Must be willing to demonstrate commitment to the Bank’s mission and goals

Equal Opportunity Employer, including disabled/veterans.