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
It is the responsibility of the Senior 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 loan grading, and effectively communicating findings to management at the same time providing a force for positive change in the bank.
ESSENTIAL FUNCTIONS
Conduct comprehensive Ongoing Monitoring of most complex commercial loans, including an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity.
Will typically lead (Reviewer-in-Charge) Credit Process/Target Reviews of the most complex commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios. A full Credit Process Review will generally include an assessment of Credit Quality, Strategy/Credit Acquisition Planning, Underwriting, Structure, Approval, Annual Servicing, Risk Rating, Problem Loan Management, and Credit File Integrity.
Participate in Credit Process/Target Reviews of all levels of commercial portfolios, select risk elements or procedures within a portfolio, or elements across portfolios.
Validate credit/financial information to verify the credit worthiness of the borrower/guarantors and validity of the loan/credit relationship grade.
Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability.
Responsible for the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).
Communicate with loan officers, underwriters, portfolio managers, analysts, 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.
Mentor less experienced teammates (e.g., Loan Review Officers I and II) and serve as Subject Matter Experts on assigned portfolios and conduct training as needed.
Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement and assist the Director of the Credit Risk Review and the Credit Risk Review Manager with implementation of continuous improvement initiatives. Develop ideas to increase the continued advancement and effectiveness of the Loan Review function.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
COMPETENCIES
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.
Displays a leadership presence with the ability to interact with senior management, regulators, loan officers, underwriters, portfolio managers, analysts, credit administrators and other management
Qualifications, Education, and Certification Requirements
Education : College Degree, preferably a degree in Accounting, Finance, Economics or equivalent experience.
Experience : Minimum of seven years of credit review, commercial lending, commercial loan underwriting, and/or commercial loan portfolio management experience.
Certifications/Specific Knowledge : Computer literacy. Proficient in Microsoft Office applications; General banking experience required
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. 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 to come to meetings as needed.
In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $116,153.00 - $185,543.00 , actual offers to be determined based on applicant’s skills, experience and education.
While the anticipated deadline for the job posting is 09-03-2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date.
Benefits | SouthState Careers
Equal Opportunity Employer, including disabled/veterans.
