Credit Risk Review 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 Risk Review Analyst supports the independent Credit Risk Review (CRR) function by performing analytical, reporting, and governance activities that contribute to the assessment of credit quality, adherence to lending policies, and the effectiveness of risk management practices. The role requires advanced analytical capability, exceptional attention to detail, and a strong commitment to data integrity, regulatory standards, and continuous process improvement. Additionally, the role drives process efficiency through automation and optimization while leveraging emerging AI-enabled tools and advanced analytics to enhance reporting, insights, and decision support across the Credit Risk Review function.

Duties & Responsibilities

• Supports Credit Risk Review leadership in the development, execution, and management of loan sample selections in accordance with the approved CRR plan. Conducts research and data collection to support sample construction, maintains and manages loan samples throughout the review lifecycle, and ensures accurate upload and maintenance of sample data within BankPoint.

• Prepare credit quality metrics, risk grade distributions, dashboards, and executive-level reporting, incorporating analytics to improve insight generation and decision-making effectiveness

• Prepare risk assessments and quarterly coverage tracking, for Commercial and Leveraged loans

• Responsible for all data entry for Archer Issues to include new Issues, updates and closing Issues

• Perform directed downgrade testing and quarterly reporting

• Leverage advanced Excel skills, automation tools, and AI-enabled technologies to streamline workflows, improve process efficiency, enhance data accuracy, and maintain standardized CRR templates and high-quality reporting materials

• Support Credit Risk Review leadership and governance initiatives, including the preparation and assembly of materials for internal and external examinations

Qualifications

Education Requirements

• Bachelor's degree or equivalent experience

Minimum Experience

• 1-5 years commercial banking experience, preferred

• Proficient in Microsoft Office applications

Knowledge, Skills, & Abilities

• Advanced proficiency in Microsoft Office applications, particularly Excel, including use of complex formulas, pivot tables, and data analysis techniques

• Strong analytical and problem-solving skills, with the ability to interpret data and produce meaningful insights

• Excellent written and verbal communication skills, including the ability to present information clearly to various audiences

• Demonstrated ability to work independently with sound judgment, objectivity, and accountability

• Robust organizational skills with a high degree of attention to detail and accuracy

• Proven ability to manage multiple priorities, adapt to changing demands, and meet deadlines in a dynamic environment

• Ability to collaborate effectively across teams and build productive working relationships

• Familiarity with data analytics, reporting tools, and technology-enabled solutions, with a focus on improving efficiency and data quality

• Understanding of process improvement concepts and ability to identify opportunities for automation and optimization

• General awareness of emerging technologies, including AI-enabled tools, and the associated application to business processes

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: This position reports to a physical Company location, and 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.