Commercial Associate

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.

SUMMARY/OBJECTIVES

The Commercial Associate is an hourly position that will learn the underwriting, loan processing, portfolio management and relationship management processes. These skills will be applied to acquire new Business Banking clients as well as service & grow existing client relationships. The Commercial Associate will eventually become proficient as a junior credit analyst, junior commercial credit underwriter or a junior commercial lender with the potential of progressing, based upon performance and job availability.

Areas of concentration include commercial term loans and lines of credit, cash management and treasury services, owner-occupied and investment real estate loans, SBA guaranteed loans & lines of credit. Associate Relationship Manager will also work closely with the commercial banking staff and sales partners to build their knowledge base and sales capabilities so that these partners are able to generate more business banking opportunities and production.

The position requires excellent interpersonal skills, ability to work in a dynamic, fast-paced team-oriented environment. Successful candidate will also have strong analytical skills, organizational skills, the ability to clearly articulate business credit needs and assemble supporting documentation for loan and fee-based services requests.

ESSENTIAL FUNCTIONS

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

• Work in various departments to contribute to success of the department while learning the bank's processes transactions, loans, etc.
• Represent the bank in local community.
• Develop new and profitable business along with identifying key centers of influences in your markets.
• Identify and direct cross selling opportunities within current customer base.
• Execute highly focused prospecting activities.
• Structure credit solutions for existing and potential customers; advocate customer/prospect position in credit approval process.
• Develop and maintain deep understanding of customer's financial condition and needs.
• Demonstrate knowledge of the bank's products, services, and capabilities.
• Demonstrate knowledge of the multiple lines of business at the bank including but not limited to Commercial, Consumer, Treasury Management, Merchant Services, Correspondent and SBA.

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

COMPETENCIES

• Computer literacy in word processing and spreadsheet software.
• Excellent written and verbal communication skills, including good presentation skills.
• Ability to work independently, as well as in a team environment.
• Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other
• software that might be utilized in the department
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
• Must have good knowledge of business English, including spelling and punctuation
• Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers

Qualifications, Education, and Other Requirements

• Education:Bachelor's Degree in business administration, Finance, Accounting, or Economics. Transcript review required with a minimum GPA of 3.
• Experience: SouthState's Summer Internship Program (preferred, not required)
• Other: Three letters of recommendations (two professional and one persona) A letter of sponsorship from a Community President

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, and cash denominations, and identify customers. 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 maybe located in a cubicle environment that may be loud throughout the day. The position is located inside an cooled and heated facility with ability to go to a break room or rest room during breaks.

TRAVEL

Travel may be required to come to meetings as needed.