Mortgage Banker

Job Title

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!

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

Equal Opportunity Employer, including disabled / veterans.