SUMMARY/OBJECTIVES

RESPONSIBLE TO ASSIST THE DIRECTOR OF LOAN REVIEW AND THE LOAN REVIEW MANAGER IN THE MANAGEMENT OF AN EFFECTIVE LOAN REVIEW DEPARTMENT WHICH WILL ASSIST SOUTHSTATE 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

• Assists the Director of Loan Review or Loan Review Manager in the execution of the procedures and policies of the Loan Review function with the objective of assuring compliance with loan policies and procedures, regulatory and audit requirements, and the minimization of credit losses.
• Demonstrates knowledge of the Consumer and Residential lending function, laws, regulations, economic climate, Bank and Loan Review policies and procedures. Acts as a source of information for Loan Review staff and members of the lending and credit teams.
• Supports Director of Loan Review in the identification and implementation of strategy, scope of Consumer and Residential reviews, and the preparation of work plans to accomplish the unit’s goals. Assists in the monitoring and management of the completion of the Consumer and Residential Loan Review plan for the department as well as department and individual goal performance throughout the year.
• Involved in the recruitment, screening, and interview process, and assists in the hiring, and onboarding and training process of Loan Review staff.
• Supervise a limited staff of Loan Review officer(s). Reviews and approves worksheets and reports written by reviewers and provides feedback to improve the quality of reviews. Recognizes and utilizes talent. Coaches, trains and motivates subordinates and develops successors. Administers mid-term and annual assessments, merit raises and reviewer grade levels. Assists department leadership in conducting staff meetings on key issues.
• Conduct comprehensive Ongoing Monitoring of the Consumer and Residential loan portfolios, and other centrally underwritten, scored portfolios (including Commercial) as determined by the Director of Loan Review. 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.
• Will lead (Reviewer-in-Charge) Credit Process/Target Reviews of the Consumer and Residential loan portfolios, and other centrally underwritten, scored portfolios (e.g., Business Lending Express). When not serving as Reviewer-in=Charge, oversees the timely completion and overall success of Credit Process / Target Reviews assigned to direct reports or other Loan Review teammates as requested by the Director of Loan Review.
• Validate credit/financial information and automated scoring/underwriting system results to verify the credit worthiness of the borrower and validity of the loan/credit relationship
• Validate selected loan and collateral documentation for adequacy, adherence to loan policy and
• Responsible for the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).
• Assists the Director of Loan Review or Loan Review Manager in data collection for regulatory or audit reviews and exams.
• Recommends additional and/or corrective action(s) to strengthen individual credits and improve the quality of the cumulative loan portfolio.
• Prepares, assists, or oversees the preparation of high quality written comprehensive reports that address the appropriate key issues and includes statistics that support assigned ratings and recommendations.
• Leads, if RIC, or oversees direct reports in preparing for and leading Loan Review exit meetings to inform appropriate management of the review findings and recommendations for improvement that may prevent future credit quality and systems deterioration.
• Ensure communication with loan officers, underwriters, portfolio managers, analysts, credit administrators and other management is transparent and communicated in a logical and positive manner, providing positive and helpful feedback based on
• Owning and managing follow-up items resulting from reviews and reporting the resolution of those items in review
• Attend various loan committee meetings and other relevant bank management meetings as appropriate, including periodic touch base meetings with key stakeholders.
• Assist in the examination of potential merger and acquisition candidates as part of the due diligence process.
• Supports the Director of Loan Review or Loan Review Manager in all aspect of Loan Review conversion and integration in acquisitions and mergers.
• Embrace change, serve as a positive catalyst for change, and model those behaviors for subordinates. Foster an environment that encourages continuous improvement and assist the Director of the Loan Review and the Loan Review Manager with implementation of continuous improvement initiatives. Develop ideas to increase the continued advancement and effectiveness of the Loan Review function.

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.
• Establishes, for self and team, 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 Open-minded, thorough and professional.
• Ability to make sound decisions and recognize potential problems and propose recommendations for corrective action. Drives change within the organization.
• 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 wiling to assist
• Willing to take advantage of training opportunities as available to enhance knowledge and job skills.
• Professional in
• Regular attendance is
• NOTE: This job description in no way states or implies that these are the only duties to be performed by the staff member in this position. The member will be required to follow any other job-related instructions and to perform any other job-related duties requested by the Director of Loan Review or other management.

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 ten years experience in the loan review function, consumer lending, consumer loan underwriting, and/or loan portfolio review. Prior Leadership experience preferred.
• Computer literacy. Proficient in Microsoft Office
• General banking experience desired.