Consumer Non Real Estate Underwriter (Remote: FL, GA, AL, VA, NC, SC)

Southstate BankVa, North Carolina

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Overview

Schedule

Full-time

Career level

Senior-level

Benefits

Career Development

Job Description

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.

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. 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.

OTHER DUTIES

* Accepts other duties as assigned.

COMPETENCIES

* Consumer Loan Underwriting

* Tax Return and cash flow analysis

* 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 consumer real estate and non-real estate secured loan

underwriting experience required. Centralized Underwriting experience preferred.

* Knowledge: Excellent interpersonal skills, great 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, reports

TRAVEL

This position does not require travel.

Equal Opportunity Employer, including disabled/veterans.

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FAQs About Consumer Non Real Estate Underwriter (Remote: FL, GA, AL, VA, NC, SC) Jobs at Southstate Bank

What is the work location for this position at Southstate Bank?

This job at Southstate Bank is located in Va, North Carolina, according to the details provided by the employer. Some roles may also include multiple work locations depending on the requirement.

What pay range can candidates expect for this role at Southstate Bank?

Employer has not shared pay details for this role.

What employment applies to this position at Southstate Bank?

Southstate Bank lists this role as a Full-time position.

What experience level is required for this role at Southstate Bank?

Southstate Bank is looking for a candidate with "Senior-level" experience level.

What benefits are offered by Southstate Bank for this role?

Southstate Bank offers Career Development for this position. Actual benefits may vary depending on the employer's policies and employment terms.

What is the process to apply for this position at Southstate Bank?

You can apply for this role at Southstate Bank either through Sonara's automated application system, which helps you submit applications 10X faster with minimal effort, or by applying manually using the direct link on the job page.