Business Banker I - Port St Lucie, FL

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

 

Drives targeted growth of business relationships through proactive loan origination and intentional deposit expansion while applying disciplined credit judgment and risk management practices. Combines business development with introductory knowledge of financial analysis to structure sound lending solutions aligned with client needs and the bank’s risk appetite. Actively mitigates fraud and credit risk through rigorous due diligence, portfolio monitoring, and regulatory adherence, ensuring sustainable growth, strong asset quality, and long-term client retention. This role serves as a key pipeline for advancement into Business Banker II role or a similar position.

Duties & Responsibilities

• Develops and executes targeted prospecting and relationship expansion strategies, leveraging professional referral networks, outbound calling, and community engagement to generate qualified loan and core deposit growth opportunities aligned to defined credit risk parameters. Drives growth in core deposits and fee income by delivering referrals to Treasury Management, merchant services, and other internal partners that position the bank as the client’s primary financial institution.
• Partners with internal stakeholders, including branch team, credit, treasury, and operational teams, to coordinate solutions, streamline deal execution, and enhance the overall client experience while supporting efficient growth and risk management.  Maintains an extensive knowledge of the products and services available to our Business Customers.
• Performs initial financial analysis, including cash flow, liquidity, leverage, and global debt service coverage, to assess borrower capacity, identify risk exposure, and support sound credit decisions. Structures and recommends credit solutions, including appropriate loan terms, collateral positioning, and pricing, to optimize risk-adjusted return while meeting client financing needs.
• Manages the full loan lifecycle by coordinating application intake, documentation validation, underwriting engagement, stipulation resolution, and closing to ensure accurate, timely, and compliant execution. Demonstrates the ability to effectively prioritize and manage multiple tasks simultaneously, balancing client interactions, credit analysis, and deal execution to meet deadlines and drive consistent results.
• Actively manages and expands a portfolio of business relationships by deepening client engagement, increasing loan outstandings, driving primary operating deposit relationships, and ensuring ongoing portfolio health through proactive loan renewals, past due management, and timely resolution of credit-related issues to enhance client profitability, retention, and portfolio performance. Drives growth in core deposits and fee income by delivering referrals to treasury management, merchant services, and other internal partners that position the bank as the client’s primary financial institution.
• Independently monitors portfolio risk and performance by evaluating financial trends, and risk rating movements, proactively identifying emerging credit issues and implementing timely mitigation strategies to protect asset quality. Proactively mitigates fraud and operational risk by validating client identity and business legitimacy, analyzing transaction patterns, enforcing due diligence standards, and escalating suspicious activity in alignment with internal controls and regulatory requirements. Ensures compliance with all applicable regulations and bank policies, including BSA/AML and Fair Lending, through consistent documentation, audit readiness, and adherence to established risk frameworks.
• 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 Finance, Business, or related field or equivalent experience in a related field

 

Minimum Experience

•  2–3 years of banking experience with a strong emphasis on business lending, credit analysis, and deposit relationship management.

Professional Expectations

• Maintains a consistently professional appearance that reflects the organization’s standards.
• Demonstrates a consistent track record of achieving or exceeding loan production, deposit growth, and revenue goals.

 

Licenses & Certifications

•  May be required to obtain applicable lending or NMLS registration, as appropriate for the role responsibilities.

Additional Physical Demands

• Ability to communicate effectively in person, by phone, and through electronic channels with clients, partners, and internal teams in both office and off-site settings.
• Ability to use a computer and digital systems on a frequent basis, including sustained attention to financial data, reports, and client records.
• Ability to sit, stand, and/or walk for extended periods while conducting client meetings, completing analysis, and participating in team collaboration.
• Ability to travel periodically within the assigned market to meet clients, attend community and business development events, and support relationship growth activities.
• Ability to review, interpret, and validate detailed financial documents, loan files, and client information with a high degree of accuracy and attention to detail.

 

Knowledge, Skills, & Abilities

•  Demonstrates foundational financial analysis and credit structuring capability, including interpretation of complex financial statements, cash flow modeling, and risk-adjusted deal design.
• Applies sound judgment to identify, assess, and mitigate credit, operational, and fraud risk, including detection of suspicious behaviors, inconsistent financial reporting, and transaction anomalies.
• Executes disciplined business development strategies, maintaining a robust pipeline to drive sustained growth in loans, core deposits, and fee-based revenue.
• Communicates complex financial insights and credit recommendations effectively to clients, partners, and internal stakeholders to influence decisions and drive actionable outcomes.
• Maintains strong knowledge of banking products, regulatory requirements, and market dynamics to deliver relevant, compliant, and competitive client solutions.
• Demonstrates strong relationship management skills, building trust with clients and professional referral networks to deepen relationships and expand wallet share.
• Exhibits high attention to detail and organizational discipline when managing loan documentation, financial data, and portfolio monitoring activities.
• Demonstrates a strong sense of urgency, initiative, and accountability to execute work accurately and efficiently while collaborating to resolve issues and drive results.
• Utilizes digital tools to effectively track pipeline activity, client interactions, and performance metrics to support business planning and reporting.
• Exercises independent judgment and accountability in balancing revenue growth objectives with credit quality, risk mitigation, and regulatory compliance.

• Performs additional duties and responsibilities as assigned to support business needs and organizational objectives.

 

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.

Work Location: 9815 S US Highway 1 Port St Lucie, Florida 34952

Equal Opportunity Employer, including disabled/veterans.