Consumer Real Estate Underwriter
Role Overview
To follow the policies and procedures of South State Bank exercising competency, courtesy and concern for the development of the bank. Responsibilities for consumer loan real estate underwriting and review activities to ensure that proposed loans adhere to existing policy guidelines, that documentation is adequate to ensure security of collateral, and that ongoing administration and review is adequate to maintain the consumer loan portfolio’s quality and profitability.
Full Job Posting
SUMMARY/OBJECTIVES
To follow the policies and procedures of South State Bank exercising competency, courtesy and concern for the development of the bank. Responsibilities for consumer loan real estate underwriting and review activities to ensure that proposed loans adhere to existing policy guidelines, that documentation is adequate to ensure security of collateral, and that ongoing administration and review is adequate to maintain the consumer loan portfolio’s quality and profitability.
ESSENTIAL FUNCTIONS
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Underwrite consumer real estate loans within prescribed time frames.
Available for pre-qualification discussion with lender, prior to loan submission.
Responsible for reviewing and making approval decisions with respect to loans within his/her authority
Analyze tax returns and prepare cash flow analysis
Responsible for performing review of valuation methods to include tax assessments, appraisals and Automated Valuation Models.
Presents a neat and professional personal appearance, in accordance with bank policy.
OTHER DUTIES
- Accepts other duties as assigned.
COMPETENCIES
Underwriting
Customer service
General banking knowledge
Qualifications and Education Requirements
- Education : Bachelors in Business Administration, Finance, Accounting or related field preferred
- Experience : Minimum of 3 years in Banking
- Knowledge : Good interpersonal skills, good computer skills, ability to read, write, speak and understand English
TRAINING REQUIREMENTS/CLASSES
- New Employee Training Required annual compliance 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, reports
TRAVEL
This position does not require travel.
Salary Ranges:
Equal Opportunity Employer, including disabled/veterans.
About SouthState Bank
Regional financial institution providing banking and wealth management services.
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