Asset Based Originator

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!

ESSENTIAL FUNCTIONS

• Actively participates in a business development plan to increase the loan and deposit portfolio of asset based relationships within assigned market
• Develop consultative relationships with prospects to add value by delivering appropriate banking solutions
• Manage the flow of loan requests through the appropriate channels to ensure the credit quality, responsiveness, structure, and pricing meets the needs of the prospect and the operating objectives of the Bank
• Closely monitor and assist with the underwriting and closing process. Keep prospect informed throughout the process.
• Develop a top prospect list in each assigned market.
• Collaborate effectively with appropriate business partners throughout the Bank
• Develop solid relationships with commercial bankers and leaders in assigned markets
• Creatively structure opportunities with a focus on “holistic” and win/win solutions
• Pre-screen opportunities with manager or others within SSCF
• Assist with the screening of loan requests within the parameters of the Bank’s and SSCF’s policies and procedures.
• Partner with Relationship Management/ Underwriting and Credit to properly risk grade new opportunities
• 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 guidelines
• Demonstrate a commitment to fair lending practices
• Build and maintain a positive working relationship with COI’s and others in the community to enhance the Bank’s and SSCF’s image and reputation in the marketplace
• Establish and deepen relationships with prospects, COI’s and referral sources
• Be a superior team player within SouthState Capital Finance and throughout the Bank
• Practice and employ the “Sundown Rule”

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

COMPETENCIES

• Must have well-developed sales, interpersonal and negotiating skills.  Excellent written and verbal communication skills are necessary. Must have basic accounting and credit skills.  Must be detail oriented and possess the proven ability to prioritize complex work assignments.  Proven analytical skills and the ability to evaluate credit worthiness are needed.  Must be proficient in the use of basic office equipment. Proficiency in the use of Microsoft Word, Excel, Outlook is necessary.

Qualifications, Education, and Certification Requirements

• Education: A Bachelor’s degree in business, finance, banking, or related field is required.
• Experience: Minimum of 10 plus years commercial lending or portfolio management experience; Experience should include previous loan structuring and credit analysis responsibilities
• Certifications/Specific Knowledge: Great interpersonal skills and attention to detail. Asset-based, leveraged finance and/or secured lending experience 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 located in a private office.  

TRAVEL

Travel is required.

Equal Opportunity Employer, including disabled/veterans.