Loan Risk Manager - Remote FL, GA, AL, VA, SC, NC, TX, CO

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

Under the direction of the Director of Bank Operations Risk Manager, manage first line of defense for Loan Operations and Servicing and Loan Closing and Compliance functions across Bank Operations for aggregating risk management activities. Serve as the resource support for compliance, risk identification, measurement, and mitigation programs, and promote overall risk ownership and awareness as it relates to loans. This position would support the following:

ESSENTIAL FUNCTIONS

This position would serve to take a proactive approach to risk management, to include:

• Support development of a Loan Risk Strategy aligned across all business units within Bank Operations.

• Assess and recommend the aggregate loan credit risk appetite.

• Assess the operational, reputational, and financial risk of any new or modified products and services and the delivery platforms on which they reside.

• Collaborate with LOB loan managers when implementing new services or new products to ensure risk is adequately addressed, as well as act as risk support on updates to current systems/processes.

• Collaborate with LOB loan managers to implement, track, and monitor all metric reporting including Key Risk Indicators and assist with building corrective action plans related to risk tolerance.

• Collaborate with LOB loan managers to ensure all Q-ups and Risk register reviews are completed accurately and on time and assist with building corrective action plans related to risk tolerance.

• Develop relationships with Risk and Compliance partners in order to collaborate on effective risk management practices and initiatives.

• Manage all Audits, Compliance Reviews, Risk Assessments, OCC reviews, and other Regulatory monitoring processes and work with LOB managers to document and track identified issues from beginning to closure of issue.

• Manage all SOX controls and oversight functions for Loan Operations and Servicing, Loan Closing, and Loan Compliance within Bank Operations.

• Facilitate aggregated LOB loan meetings effectively with prepared agendas and clear next steps to create and maintain transparency of loan criteria for all committees reporting.

• Conduct periodic assessments of these same risk areas on the current product line to insure we uncover any changes in their risk profile.

• Continuously enhance knowledge/expertise in loans and keep current with trends/development and regulatory changes which may affect loan risk across the bank.

• Develop awareness of South State Bank loans services, applications, infrastructure, analytical tools, and techniques which can contribute to better analysis.

• Ensure LOBs compliance with approved policies, execution of processes within the policy, contractual requirements, and report exceptions, maintenance of an inventory of standard operating procedures, key controls, and control testing.

• Discuss current and upcoming regulatory changes and guidance to determine the Bank's appropriate preparation to comply with regulatory expectations.

• Ensure all activities related

• Accepts other duties as assigned.

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

COMPETENCIES

• Detail oriented with ability to communicate with diverse stakeholders

• Accuracy

• Initiative

• Ability to organize data, summarize, and identify actions

• Ability to multi-task and prioritize; ability to work in a dynamic environment

• Strong communication/presentation, critical thinking, and influencing skills

Qualifications, Education, and Certification Requirements

• Education: Bachelors or higher degree required

• Job Requirements:

  • 5 years in a risk-related position

  • At least 3 years in loan operations field (preferred)

• Certifications/Specific Knowledge:

  • Familiarity with governmental guidance or regulations

  • Skilled in Microsoft including SharePoint, Word, Excel, and PowerPoint

  • Project management experience strongly recommended

TRAINING REQUIREMENTS/CLASSES

• New employee orientation

• Required annual compliance training

• On-going risk training, & cross-departmental training

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. This position may require bending and reaching.

WORK ENVIRONMENT

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 may be required to come to meetings as needed.

TRAVEL

Travel may be required to come to meetings as needed.

Benefits | SouthState Careers