SouthState Bank

Credit Risk Review Officer-Consumer

SouthState Bank$87K — $139K *
US-Anywhere
+ 8 other locationsRemote
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in credit risk assessment or portfolio management
  • Strong analytical skills to interpret complex data
  • Familiarity with Consumer and Residential Real Estate loan portfolios
  • Excellent communication skills for stakeholder engagement
  • Ability to lead reviews and generate actionable insights

Responsibilities

  • Assist Consumer Group Manager in monitoring consumer loan portfolios
  • Review reports and attend key stakeholder meetings
  • Identify and assess risks in loan portfolios
  • Validate credit and financial information for borrower assessments
  • Prepare periodic Risk Assessments for portfolio rankings
  • Provide constructive feedback to underwriters and management
  • Develop subject matter expertise in Consumer and Residential Real Estate

Benefits

  • Opportunities for professional growth and development
  • Collaborative work environment that encourages continuous improvement
  • Involvement in various loan committee meetings
  • Participation in special projects alongside management
  • Support for embracing change and leading innovation in the role
Full Job Description
Assists Consumer Group Manager in conducting comprehensive Ongoing Monitoring of the Consumer and Residential Real Estate loan portfolios. This includes, among other things, reviewing reports, attending meetings, and communicating with key stakeholders. Will participate in Credit Process/Target/Ongoing Monitoring Reviews of the Consumer/Residential Real Estate loan portfolios. May be asked to lead less complex Reviews. Responsibilities also include identifying risk (e.g., exceptions, overrides, changes to strategy) and developing an ongoing monitoring plan to ensure risks are assessed. Ability to analyze findings, draw conclusions and provide recommendations.

Validate credit/financial information and automated scoring/underwriting system results to verify the credit worthiness of the borrower, the quality of the underwriting, and validity of the risk rating. Validate selected loan and collateral documentation for adequacy, adherence to loan policy and enforceability.

Assists in the preparation of periodic Risk Assessments to validate or revise the risk-based ranking of assigned Universe unit(s).

Communicate with underwriters, credit administrators and other management in a logical and positive manner, providing positive and helpful feedback based on findings. Owning and managing follow-up items resulting from the review and reporting the resolution of those items in review documentation. Attend various loan committee meetings and other relevant meetings as appropriate, including periodic touch base meetings with key stakeholders.

Embrace change and serve as a positive catalyst for change. Foster an environment that encourages continuous improvement. Develop ideas to increase the continued advancement and effectiveness of the Credit Risk Review function. Assist Consumer Group Manager with special projects as needed.

Develop subject matter expertise within the Consumer/Residential Real Estate portfolios.

Assist Consumer Group Manager with special projects as needed.

In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $87,282.00 - $139,425.00 , actual offers to be determined based on applicant's skills, experience and education.

While the anticipated deadline for the job posting is 10-16-2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date.

Benefits | SouthState Careers

About SouthState Bank

South State Corporation is a bank holding company headquartered in Columbia, South Carolina. The company was founded in 1933 as First Federal Savings and Loan Association of Orangeburg, and has since grown to become one of the largest banks in the Southeastern United States. South State Corporation operates through its subsidiary, South State Bank, which provides a range of banking services, including personal and business banking, wealth management, and mortgage lending. The bank has over 200 branches across the Carolinas, Georgia, and Virginia.
Learn more about SouthState Bank
Size
2,756 employees
Market Cap
$2,149
Industry
Founded
2000
5 Year Trend
+3770%
NASDAQ

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