SUMMARY/OBJECTIVES

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 LOAN 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 LOAN GRADING, AND EFFECTIVELY COMMUNICATING FINDINGS TO MANAGEMENT AT THE SAME TIME PROVIDING A FORCE FOR POSITIVE CHANGE IN THE BANK.

ESSENTIAL FUNCTIONS

PRO BEHAVIORS

• Proficient to Expert level of Emotional Intelligence. Able to interpret one’s own and other’s emotions and behaviors in order to manage situations effectively.
• Is a Subject Matter Expert and has strong 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
• Ability to evaluate all facts independently and objectively before making Displays a healthy level of skepticism and challenges the status quo.
• Listens well and is willing to consider the opinions of
• Ability to make sound decisions and can recognize potential problems and propose recommendations for corrective Drives change within the organization.
• Must be well-organized, accurate, and attentive to
• Self-starter and able to work
• Displays a leadership presence with the ability to interact with senior management, regulators, loan officers, underwriters, portfolio managers, analysts, credit administrators and other
• Cooperative and willing to assist
• Willing to take advantage of training opportunities as available to enhance knowledge and job skills.
• Professional in
• Regular attendance is
• 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 manager.

WORK ENVIRONMENT

Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relation skills with bank associates. Must be willing to participate as a team member.

PHYSICAL DEMANDS

No unusual physical demands required for this job. Must be able to do sedentary work. May occasionally lift up to 25 pounds to perform job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the bank, to include evenings and weekends.

TRAVEL

This position requires occasional travel to various regions of the bank for training, and meetings with loan officers, credit team members and management.

QUALIFICATIONS AND EDUCATIONAL REQUIREMENTS

• Education: College Degree, preferably a degree in Accounting, Finance, Economics or equivalent
• Minimum of seven years of loan review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience.
• Computer literacy. Proficient in Microsoft Office
• General banking experience required

OTHER DUTIES

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

This document does not create an employment contract, implied or otherwise, other than an “at will” employment relationship.