Justin Cho

Justin Cho, MBA has extensive experience in the banking industry. Justin is currently the SVP/ Credit Administrator at SouthState Bank, where they head the Government Lending Credit department and has loan authority of up to $7.5MM per transaction. Prior to this role, Justin was the FVP/ Government Lending Credit Manager at SouthState Bank.

Before joining SouthState Bank, Justin worked at CenterState Bank as the VP/ SBA Underwriter Team Lead. In this role, they managed the underwriting quality and workflow for the Government Guaranteed Lending Department, with approval authority of SBA 7(a) Loans up to $500,000 in new loans.

Prior to CenterState Bank, Justin worked at Metro City Bank as an AVP/ Commercial Credit Analyst and later as a Commercial Credit Analyst/Lending Officer. Justin excelled in underwriting potential financing transactions, guiding clients through the underwriting process, and leading the bank's SBA Loan department to be Georgia's #1 SBA Lender in terms of dollar amount for multiple fiscal years.

Overall, Justin Cho's work experience highlights their expertise in credit administration and underwriting, particularly in the government lending sector.

Justin Cho earned a Master of Business Administration (MBA) degree from the Georgia Tech Scheller College of Business from 2019 to 2022. Prior to that, they completed their undergraduate studies at the Georgia State University - J. Mack Robinson College of Business from 2005 to 2009, earning a Bachelor of Science (BS) degree in Accounting. In addition to their formal education, they obtained a Lean Six Sigma Green Belt certification from the Georgia Tech Scheller College of Business in May 2022.