Credit Business Analyst

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

The Credit Business Analyst supports strategic initiatives, process improvement, AI and automation enablement, and operational effectiveness across Credit Administration. This position partners with business stakeholders to evaluate processes, document requirements, strengthen controls, and identify responsible uses of AI, automation, and workflow tools that improve efficiency, consistency, and decision-making. The analyst independently manages assigned analysis, documentation, reporting, issue tracking, and project-support activities.

Duties & Responsibilities

• Analyze Credit Administration processes, policies, procedures, and business needs. Facilitate stakeholder discussions; document current-state activities; identify gaps, risks, bottlenecks, and root causes; and recommend practical improvements that strengthen efficiency, consistency, controls, and the team member experience.
• Develop and maintain clear, accurate business and operational documentation, including business requirements, process maps, procedures, job aids, decision logs, issue documentation, and project materials. Translate complex information into concise, business-friendly language for varied audiences.
• Identify, evaluate, and advance opportunities to use AI, automation, and workflow tools across Credit Administration. Partner with business stakeholders to define use cases, expected benefits, business requirements, risks, controls, and measures of success; support prioritization, implementation readiness, responsible adoption, and ongoing process improvement for approved solutions.
• Partner with Credit Administration leaders, lending teams, Operations, Risk Management, Compliance, Internal Audit, and other business areas to support cross-functional initiatives. Coordinate discussions, clarify business needs, document decisions, and help drive timely resolution of open items.
• Support project planning and execution by maintaining milestones, risks, issues, dependencies, decisions, and action items. Prepare status updates and management-ready materials, monitor assigned deliverables, and escalate material concerns or barriers in a timely manner.
• Develop, maintain, and analyze operational reports, inventories, dashboards, metrics, and other management information. Validate data accuracy, identify trends and performance drivers, and present actionable insights that support business decisions and continuous improvement.
• Support audit, exam, issue-remediation, policy, change-readiness, and special-project activities. Gather and organize evidence, track corrective actions, update procedures and communications, safeguard confidential information in accordance with Bank policies, and complete other assigned responsibilities.

It is the responsibility of this role to take ownership of all tasks and challenges that they encounter in the operation of their assigned position.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Qualifications

Education Requirements

• Bachelor’s degree in Business, Finance, Information Systems, Analytics, or a related field preferred.
• Equivalent relevant work experience may be considered.

Minimum Experience

• Four (4) to seven (7) years of progressively responsible experience in business analysis, process improvement, project delivery, operations, or a related function.
• Experience should include independently analyzing business processes, documenting requirements and procedures, preparing business recommendations, and supporting cross-functional initiatives.

Licenses & Certifications

•  No license or certification is required. Business analysis, project management, process improvement, or related certifications are preferred.

Knowledge, Skills, & Abilities

• Demonstrated knowledge of business analysis practices, including requirements elicitation, process analysis, root-cause analysis, documentation, and recommendation development.
• Strong analytical, critical-thinking, and problem-solving skills, with the ability to assess ambiguity, identify root causes, and recommend well-supported solutions.
• Ability to exercise sound judgment, manage assigned work with limited supervision, and balance multiple priorities and deadlines in a changing environment.
• Strong written, verbal, presentation, facilitation, and interpersonal communication skills, including the ability to summarize complex information for business and executive audiences.
• Ability to build collaborative relationships and influence outcomes across business units, technology teams, risk partners, vendors, and management.
• Experience developing process flows, procedures, business requirements, reports, dashboards, issue documentation, and management-ready project materials.
• Proficiency with Microsoft Word, Excel, PowerPoint, Teams, Jira, and SharePoint. Working knowledge of AI, automation, and workflow concepts is preferred, including the ability to define business use cases, expected benefits, requirements, risks, controls, and measures of success. Familiarity with Power BI, Microsoft Copilot, Power Automate, Power Apps, or comparable tools is preferred.
• Working knowledge of data analysis, reporting controls, information security, confidentiality, and applicable Bank policies and procedures.
• Self-motivated, detail-oriented, adaptable, and able to work effectively both independently and in a team-oriented environment.

Physical Demands and Work Environment

Physical Demands

• Ability to communicate in person, on the phone, and through electronic channels

• Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
• Ability to sit, walk, and/or stand for extended periods of time

• Ability to bend and reach

Work Environment

• Office: If the position reports to a physical Company location, the setting will be a typical office environment.
• Remote or hybrid: For remote or hybrid positions, a secure and distraction-free setting is required, with a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable).  Hybrid positions will report to a physical Company location, as directed by the manager, and that setting will be a typical office environment.

Equal Opportunity Employer, including disabled/veterans.