Credit Risk Review Officer (Remote)

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

It is the responsibility of the Credit Risk Review Officer to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Responsible to assist South State Bank, N.A. in achieving its objectives of operating a sound and profitable financial institution by independently evaluating the credit quality and credit processes of the bank. The primary goals of Credit Risk Review are to accurately evaluate the effectiveness of lending practices and credit-related supervision, identifying unnecessary credit risk in individual loans and various lending unit's loan portfolios, confirming the effectiveness of risk rating, and effectively communicating findings to management at the same time providing a force for positive change in the bank.

ESSENTIAL FUNCTIONS

• Assists Consumer Group Manager in conducting comprehensive Ongoing Monitoring of the Consumer and Residential Real Estate loan portfolios. This includes, among other things, reviewing reports, attending meetings, and communicating with key stakeholders. Responsibilities also include identifying risk (e.g., exceptions, overrides, changes to strategy) and developing an ongoing monitoring plan to ensure risks are assessed. Ability to analyze findings, draw conclusions and provide recommendations.

• Will participate in Credit Process/Target/Ongoing Monitoring Reviews of the Consumer/Residential Real Estate loan portfolios. May be asked to lead less complex Reviews.

• Validate credit/financial information and automated scoring/underwriting system results to verify the credit worthiness of the borrower, the quality of the underwriting, and validity of the risk rating.

• Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability.

• Assists in the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).

• Communicate with underwriters, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on findings.

• Owning and managing follow-up items resulting from the review and reporting the resolution of those items in review documentation.

• Attend various loan committee meetings and other relevant meetings as appropriate, including periodic touch base meetings with key stakeholders.

• Develop subject matter expertise within the Consumer/Residential Real Estate portfolios.

• Assist in Ongoing Monitoring and Credit Process/Target Reviews of other reviewable units as needed.

• Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement. Develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function.

• Assist Consumer Group Manager with special projects as needed.

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

COMPETENCIES

• Emerging to Proficient level of Emotional Intelligence. Developing skills to interpret one's own and other's emotions and behaviors in order to manage situations effectively.

• Is a Subject Matter Expert in less complex areas of the credit portfolio and is developing cross-functional relationships.

• Establishes high expectations for accomplishment and accountability fueled by passion to win and exceed goals. Work reflects credibility, accuracy, and appropriate time management.

• Proficient writing skills to effectively communicate in a clear, concise and persuasive manner.

• Ability to evaluate all facts independently and objectively before making decisions. Displays a healthy level of skepticism and challenges the status quo.

• Listens well and is willing to consider the opinions of others.

• Ability to make sound decisions and can recognize potential problems and propose recommendations for corrective action. Drives change within the organization.

• Must be well-organized, accurate, and attentive to detail.

• Self-starter and able to work independently.

• Ability to interact with loan officers, underwriters, portfolio managers, analysts, credit administrators and other management.

• Cooperative and willing to assist others.

• Willing to take advantage of training opportunities as available to enhance knowledge and job skills.

• Professional in appearance.

• Regular attendance is necessary.

• This job description in no way states or implies that these are the only duties to be performed by the employee in this position. The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by their supervisor.

Qualifications, Education, and Certification Requirements

• Education: College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.

• Experience: Minimum of five years of Loan Review/Credit Risk Review or consumer/residential real estate lending experience.

• Certifications/Specific Knowledge: Computer literacy. Proficient in Microsoft Office applications. General banking experience required.

TRAINING REQUIREMENTS/CLASSES

Required annual compliance training, credit training, and New Employee Orientation

PHYSICAL DEMANDS

Must be able to effectively access and interpret information on computer screens, documents, and 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. May occasionally lift up to 25 pounds to perform job. This position may require bending and reaching.

WORK ENVIRONMENT

For telecommuters or hybrid: Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered.

TRAVEL

Travel may be required for meetings as needed.

Benefits | SouthState Careers