Commercial Credit Analyst I

As a leading bank, SouthState has been providing financial solutions to individuals, families, and businesses for more than 100 years.

SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.

SUMMARY/OBJECTIVES

This position is responsible for, but not limited to, serving the Credit Administration staff and Relationship Managers by providing analytical and loan decision support through the preparation of financial statement spreads for commercial loan borrowers, guarantors, and related entities. Additional tasks may be required at the direction of the Credit Analyst Team Lead, Director of Commercial Credit Analysts and/or the Director of Credit Services.

ESSENTIAL FUNCTIONS

This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

• Performs spreads of commercial, financial statements and tax returns. 
• Performs personal cash flow analysis utilizing individual tax returns and personal financial statements.
• Utilizes credit-reporting services to compile reports relating to the credit history of current and potential customers.
• Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy.
• Researches and analyzes financial data, interprets, and prepares reports of financial position and determines if additional information is needed to properly analyze the financial condition of a borrower so that a proper decision is made regarding approval or declination of credit.
• Monitors the financial position of established accounts and brings irregularities to the attention of the loan officer.
• Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks.
• Works to create a constructive workplace environment that expands positive culture and enhances the Bank’s core values.
• Undertakes special projects related to job function as determined by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts.
• Participates in community related activities.
• Ensures that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with.
• Provides aid to other employees by liaising with them through healthy and positive interactions.
• Continuously updates skills by participating in professional training and development.
• Seeks opportunities to improve skills through cross-training offered by the Bank.
• Position may require regular before/after normal business hours, or regular out-of-town travel
• All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts.

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

Qualifications, Education, and Certification Requirements

• A bachelor’s degree in business, finance, or accounting is recommended to have a good understanding of financial statements and to make industry evaluations.  Finance/accounting related work experience of at least five years in lieu of a college degree in business, finance, and accounting.
• Knowledge of personal computer, Windows and Microsoft software applications is necessary.