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 review and underwriting of all types of consumer loan products in accordance with established bank guidelines, State/Federal regulations, and Fair Lending practices.  Communicates with the originating Loan Officer to request additional information, final loan decisions, and recommends alternative loan structures and/or products. Provides lender support to include interpretation of bank loan policies and procedures.

ESSENTIAL FUNCTIONS

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

• Underwrite consumer loans in accordance with established bank policies and product guidelines.

• Evaluate credit related information including credit histories, qualifying income, repayment capacity, and collateral valuations.

• Performs analysis to determine borrowers qualifying income to include tax returns, paystubs, W2’s, 1099’s, verification of employment, retirement benefits, and all other forms of income sources.

·         Prepares cash flow analysis.

·         Review of all supporting documents related to the credit decision.

·         Achieves production, turnaround time, credit quality and support/service, based on established

goals.

·         Communicates final loan decisions and delivers any negative responses in a positive,

professional manner.

·         Provides lender support in the areas of loan product, policy, procedure, loan structure and

pricing.

·         Renders decisions on miscellaneous credit requests to include modifications, renewals, and

subordinations.  

OTHER DUTIES

·         Performs other duties, as assigned.

COMPETENCIES

·         General consumer underwriting skills and knowledge,

·         Tax return and cash flow analysis,

·         Customer service,

·         General banking knowledge,

·         Ability to problem solve, multi-task and prioritize workload, and

·         Ability to perform in fast paced environment and adapt to constant changes.

Qualifications and Education Requirements

·         Education: Bachelor’s in business administration, Finance, Accounting, related field preferred,

or 3 years in related position

·         Experience: Minimum of 3 years consumer real estate and non-real estate secured loan

experience required. Centralized Underwriting experience preferred.

·         Knowledge: Excellent interpersonal skills, general computer skills, ability to read, write, speak,

and understand English

TRAINING REQUIREMENTS/CLASSES

New Employee Training Required annual compliance training.

RECOMMENDED ADDITIONAL TRAINING

Supervisory Responsibility

This position has no supervisory responsibilities.

PHYSICAL DEMANDS/WORK ENVIRONMENT

Must be able to effectively access and interpret information on computer screens, documents, and reports.

TRAVEL

This position does not require travel.

Equal Opportunity Employer, including disabled/veterans.