Senior Mortgage Underwriter

About the role

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!

Responsibilities

• Underwrites residential first mortgage loans within assigned lending authority according to applicable guidelines of insuring and guaranteeing agencies, secondary market investors, and/or SouthState Bank credit policies.
• Examines documentation provided by borrowers and third-party verification sources for validity and compliance with AUS findings or manual underwriting standards.
• Reviews property appraisals to ensure collateral acceptability in accordance with corporate, agency and investor standards.
• Reviews fraud reports and conditions loans appropriately for resolution of issues.
• Issues loan approvals, reviews and clears underwriting conditions.
• Issues loan denials and forwards for second review/or.
• Responds to questions from Mortgage Loan Officers, Mortgage Processors, Closers, and others regarding underwriting decisions and/or conditions and/or general policy and scenario questions.
• Performs second reviews of denied loans.
• Updates Loan Origination System and Automated Underwriting Systems.
• Mortgage Loan Underwriter Senior can underwrite multiple loan types and/or loans with highly complex income and loan scenarios using AUS findings or manual underwriting processes.
• Serves as an expert resource to other underwriters, sales partners, and others outside the mortgage division for consultation on complex income and loan scenarios, appraisals, and other mortgage underwriting topics within designated specialty area of underwriting.

Requirements

• Education: Bachelor’s degree or equivalent work experience.
• Experience: 10 - 12 years in the mortgage industry; 7 - 9 years underwriting experience.
• Certifications/Specific Knowledge: Must be able to multi-task; good computer, organizational and customer service skills; accurate typing, spelling and grammar skills. Must be able to work in a team environment.
• Training Requirements/Classes: Annual compliance training.

Qualifications

• Must be able to effectively access and interpret information on computer screens, documents, and reports.
• This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.
• Must be able to work in a secure home office environment that is free from background noise and distractions.
• Requires a reliable private internet connection that is not supplied by use of cellular data (hot spot).
• Cable or fiber connections are preferred.

Pay

Pay for this position is anticipated to be between $76,260.00 - $121,819.00, actual offers to be determined based on applicant’s skills, experience and education.

Benefits

SouthState Careers Equal Opportunity Employer, including disabled/veterans.