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 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 Make preliminary determination of applicant’s credit worthiness and have 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, which may require travel Advise management on 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 All other tasks, responsibilities or duties, as directed by management Qualifications & Skills 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 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 Our business model supports the unique character of the communities we serve and encourages decision making by the banker that is closest to the customer. We think and act like owners and measure success over entire economic cycles. We prioritize soundness before short‑term profitability and growth. #J-18808-Ljbffr