SUMMARY/OBJECTIVES

It is the responsibility of the Gov’t Lending Annual Servicing Manager Team Lead to take ownership of all tasks and challenges that they encounter in the operation of their assigned position.

This position is responsible for, but not limited to, the management of the ASM team, and takes an active role in the requesting financial statements and completing annual servicing on the Bank’s existing Government Loan Portfolio. Additional duties may include assisting with loan servicing action requests and completing site visits as deemed appropriate.

ESSENTIAL FUNCTIONS

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

• Manage the annual servicing function of the Government Guaranteed Lending Unit which includes coaching, teaching, and guiding other ASMs.

Annual Servicing Duties

Request financial and other ancillary information from the Relationship Manager or Borrower directly to update the bank’s credit files

Spread the updated business and personal financial statements and completing a stand-alone and/or global cash flow analysis

Prepare the annual servicing memo per established SSB guidelines. Route the completed annual servicing memo along with the original credit approval memo from SSB or the legacy institution (only in instances where it is the initial annual servicing for the loan) to the SBA Credit Administrator.

Follow up on questions and open items as needed with the Gov’t Lending Servicing Manager, Relationship Manager, Borrower and or the SBA Credit Administrator

Submit risk rating changes via the current tracking system as adopted by the bank upon completion of the annual servicing.

Administrative Duties

Weekly review of SBA 7(A) loan past due report with the SBA Credit Administrator to determine if certain loan relationships should be reviewed sooner than scheduled.

Maintain amonth by month work log for SBA Credit Administrator and Senior Management review

Update the SBA Credit Administrator on SSB Annual Servicing Metric compliance %

Assist the SSB SBA Administrative Team with credit related aspects of servicing memos on an as needed basis.

1502 report reconciliation to make sure all loans that need to be serviced are on the master list

CLAR loans completed twice a year

May also be required to complete site visits to Borrower’s place of business as needed

Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with

Provide assistance to other employees by liaising with them through healthy and positive interactions

Be involved in performing marketing endeavors/efforts

Continuously update skills by participating in professional training

Seek opportunities to improve skills through cross-training offered by the Bank

• All other tasks, responsibilities or duties, as directed by management

OTHER DUTIES

Accepts other duties as assigned

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

COMPETENCIES

Excellent interpersonal skills

Working knowledge of the SBA SOP’s

Proficient in Microsoft Excel and Word

Strong organization skills

High attention to detail

Cooperative and willing to assist coworkers and customers on a regular basis

Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others

Possesses multi-tasking skills and be able to function well under pressure

Ability to remain composed under pressure and respond to customer and coworker concerns regularly

Patience and willingness to help others in solving problems while maintaining a positive attitude

Qualifications, Education, and Certification Requirements

• Education: A bachelor’s degree in business, finance, or accounting is recommended in order to have a good understanding of financial statements and to make industry evaluations

Experience: At least two years of experience with Gov’t Lending or related field; management experience a plus, however not required.

• Certifications/Specific Knowledge:
  • Knowledge of personal computer, Windows and Microsoft software applications is required
  • Must be able to prepare documents and compose business letters and memorandums
  • Must have good knowledge of business English, spelling and punctuation
  • Requires knowledge of office practices, procedures and general office machines

TRAINING REQUIREMENTS/CLASSES

• South State Bank credit policies, procedures and underwriting standards
• Annual regulatory and compliance training
• Additional training may be required, as needed

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

The position is located inside an cooled and heated facility with ability to go to a break room or rest room during breaks.

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.

The information below is to be updated by the HRBP and HR Compensation team only.