Director of Credit Administration (FL, GA, NC, SC, AL, VA, TX, CO).

SouthState Bank•Raleigh, NC

About The Position

This position is responsible for managing the Bank’s Credit Risk Function through Credit MIS, Portfolio Stress Testing, Credit Loan Policy, Business Unit Risk Officer, Quality Control, Letter of Credit Monitoring, Credit Risk Review and Internal audit issue monitoring. In conjunction with SSB Credit Leadership, formulates the Bank’s Commercial credit policies, standards and procedures to ensure the overall quality of the lending portfolio. The Director of Credit Administration must be well-versed in sound lending principles, the Bank’s loan policy, and current Federal and state laws and regulations. The Role will supervise and develop the Credit Administration team to assess risk within the loan portfolio. This Leader must be able to work well with all levels of the organization and build strong relationships with Banking Group Chief Credit Officers, Credit Administration Leadership, Credit Administration Business Unit Owners, Executive Leadership, Credit Risk Review, Internal and External Audit, and Bank Regulators as well as other operational support teams. The role will require a skill set that balances operational requirements with lending knowledge, and technical skills. The Director of Credit Administration is expected to proactively identify and communicate ideas for improving the credit administration process including the use of technology.

Requirements

Interpersonal skills: Must have active listening skills (i.e., the ability to listen to others (without interruption), seek genuine understanding, and propose relevant and appropriate ideas). Patient and willing to help internal and external stakeholders solve problems while maintaining a positive attitude. Effective communication skills (written and verbal). Composed under pressure. Positive attitude and exude a willingness to lead and excel within the Team
An inclination to lead, organize, and develop within their sphere of influence.
Problem solver, resourceful, independent worker
Well-organized, accurate, and attentive to detail.
Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank.
Able to fluently speak and write in business English (including spelling, grammar, and punctuation).
Requires strong knowledge of Commercial lending terminology and application of concepts.
Requires deep knowledge of credit and loan policy.
Requires knowledge of personal computer, Microsoft Office and other software used in department.
Must be able to prepare documents and compose business letters and memorandums.
Requires knowledge of office practices, procedures, and general office machines.
Education: Requires bachelor’s degree in accounting, economics, finance, or a related field; Graduation from a recognized school of banking and/or business-related graduate degrees are a plus.
Experience: Accounting or Finance experience is encouraged; A minimum of 15 years banking experience required, with a minimum of 10 years Loan Administration experience
Certifications/Specific Knowledge: Strong interpersonal skills, proficient computer skills, ability to multitask and prioritize projects

Responsibilities

Manages and leads team
Lead project management efforts for Credit Administration process improvement as assigned
Read, analyze and synthesize large amounts of information
Interact with regulators, OCC and Federal Reserve
Interact with Credit Risk Review, Audit, Risk Management
Coach, mentor and develop Credit Administration team, all roles
Drive strict compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines
Continuously update skills through Bank and third-party training
Complete performance reviews, promotions, verbal and written corrections
Drive Bank Culture in the Credit Administration Team
Conduct periodic goal setting meetings with team
Recommend addition or reductions in Credit Administration Team
Participates in various intradepartmental and interdepartmental bank committees, including General Loan Committee, Special Assets Committee, Loan Policy Committee, Middle Market, CRE Committee, Business Banking Committee, Management ALCO, Model Risk Management, Data Governance, Technology, Information Security
Loan Due diligence for potential bank acquisitions
Assist in the Integration of acquired loan portfolios
Provides reporting to Executive Management as requested by CCO
Recommendations for loan policy changes/enhancements
Know and stay abreast of economic conditions
Special presentations as assigned
Special projects as assigned