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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/OBJECTIVES Responsibilities for underwriting and review activities of all types of consumer loan products to include real estate secured loans in accordance with established bank guidelines, State and Federal regulations and Fair Lending practices. Communicates with originating Loan Officers requests for additional information, final loan decisions, recommends alternative loan structure and/or products. Provide lender support to include interpretation of bank loan policy and procedures.
Responsibilities
Underwrite consumer loans in accordance with established bank policies.
Responsible for approval decisions with respect to loans within his/her authority in a manner that consistently balances risk/reward while producing growth in the consumer loan portfolio.
Analyze tax returns and prepare cash flow analysis.
Responsible for performing review of valuation methods to include tax assessments, appraisals and Automated Valuation Models.
Achieves production, turnaround time, credit quality and support/service established goals.
Communicates final loan decisions and delivers any negative response in a positive, professional manner.
Provides lender support in areas of loan products, policy and procedure, loan structure and pricing.
Decisions miscellaneous credit requests to include modifications, renewals and subordinations.
Performs a monthly credit review which includes the sampling of consumer mortgage loans for documentation and credit underwriting in adherence to Bank loan policy guidelines.
Accepts other duties as assigned.
Requirements
Education: Bachelors in Business Administration, Finance, Accounting or related field preferred
Experience: Minimum of 3 years consumer real estate and non-real estate secured loan underwriting experience required.
Knowledge: Excellent interpersonal skills, great computer skills, ability to read, write, speak and understand English
