Mortgage Banker

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work. Essential Functions:

This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

Interview loan applicants
Collect and analyze information regarding customer income, assets, investments or debts
Determine which bank product best fits the customer’s needs
Provide advice to customer regarding advantages and disadvantages of different products
Knowledge of Fannie Mae/Freddie Mac guidelines as well as government products
Makes preliminary determination of applicant’s credit worthiness and has the authority to issue prequalification statement of borrower’s eligibility
Call on realtors, builders, community development corporations and other potential mortgage customers to establish relationships for loan referrals
Handle processing of loan request in accordance with bank policy and applicable regulatory requirements as well as secondary market criteria and guidelines
Adhere to Quality Customer Service parameters; Conform with and abide by written policies and procedures for the bank
Participate in community events and real estate industry functions to identify, develop and promote additional business
Attend training on all residential lending products, may require travel
Advice management of new products offered in the market to ensure the bank remains competitive
Promote and cross-sell other bank products
Perform other work-related duties as assigned by supervisor
Expertise in mortgage products and services as well as regulatory guidelines
Excellent problem-solving skills to identify client needs and resolve problems
Must have a high level of interpersonal skills to effectively communicate policies, procedures and objectives effectively throughout the bank and to represent the bank positively to the public
Must be able to quickly and effectively respond to customer inquiries and requests in demanding environments
Capable of handling customer and employee contact situations tactfully and professionally
Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
Provide assistance to other employees by liaising with them through healthy and positive interactions
Be involved in performing marketing endeavors/efforts
Continuously update skills by participating in professional training
Seek opportunities to improve skills through cross-training offered by the Bank
All other tasks, responsibilities or duties, as directed by management