Consumer Loan Closer - Remote in FL, GA, AL, SC, NC, VA, TX, CO

SouthState Bank; Winter Haven (FL); Hybrid; USD 43,000 - 69,000; Full time

Job summary

SouthState Bank is seeking a detail-oriented loan closing professional to process and coordinate consumer loan closings across multiple loan types. The role involves reviewing complex documentation, ensuring regulatory and internal policy compliance, and coordinating with closing agents and dealers to deliver accurate settlements.

Ability to manage multiple tasks, communicate effectively with Lending staff and clients, and maintain strict timelines is essential.

Qualifications

• Education: High School Diploma.
• 1–3 years of consumer loan documentation experience.
• Experience with real estate closing transactions preferred.

Responsibilities

• Process consumer loan closing requests including HELOCs, TRID, manufactured homes with/without land, dealer manufactured homes, dealer marine, and modifications.
• Review loan approvals, supporting documentation and HMDA eligibility, flood determinations, title work, insurance, HUD/Closing Statements and disclosures.
• Coordinate with Lending staff, Closing Agents and Dealers to address documentation deficiencies or issues prior to closing; escalate when needed.
• Prepare closing documents in LaserPro and deliver to Closing Agent, Dealer and/or Lender; review settlement statements.
• Ensure SLAs for loan closing requests are met to provide excellent customer service.
• Initiate wires, ACHs, deposits in DDA accounts or official checks after rescission period when applicable.
• Monitor workload and track progress of loan closing requests in the workflow.

Skills

Time management

Communication

Independent worker

Problem solving

Education

High School Diploma

Tools

Microsoft Word

Excel

Outlook

LaserPro

DecisionPro

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

Candidates may be located anywhere within our footprint (FL, GA, AL, VA, SC, NC, TX, CO).

Essential Functions

• To Process Consumer loan closing requests including, but not limited to the following loan types:
• HELOC’s
• TRID (HELOAN, Manufactured Homes with Land, RV and MBH Lots)
• Manufactured Homes with no land
• Dealer Manufactured Home
• Dealer Marine
• Modifications
• Reviews loan approval, supporting documentation, and Bank systems to determine that the appropriate due diligence has been completed prior to preparing loan closing documents. The review process would include, but not limited to the following: Loan approval documents, Determination of HMDA eligibility for transactions, flood determinations, title work, insurance documents, Settlement Statements/HUD/Closing Statements, closing disclosures, initial disclosures, titling information, purchase contracts, entity documentation, Appraisals.
• Works closely with Lending staff, Closing Agents and Dealers to address any documentation deficiencies or issues prior to scheduled loan closing. Escalates issues to Loan Closing Management as necessary.
• Prepares closing documents on document preparation system (LaserPro) and delivers closing documents and accompanying documentation to Closing Agent, Dealer and/or Lender. Reviews and approves settlement statements prepared by Settlement Agents.
• Ensures department Service Level Agreements for loan closing requests are met in order to provide an exceptional level of service to customers.
• Initiate wires, ACH payments, deposits in a DDA account or official checks to fund loan closings accurately and on time after the expiration of rescission period, if applicable (Dealer Manufactured Home and Dealer Marine Loans).
• Manages workload by monitoring newly received loan requests in the Loan Closing workflow as well as tracking work in process.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES

• Exceptional time management and organizational skills
• Excellent communication skills
• Ability to work independently and in a team environment
• Ability to problem solve and appropriately elevate issues when necessary

Qualifications, Education, And Certification Requirements

• Education: High School Diploma
• Experience: One to three years of experience in consumer loan documentation experience is required; experience with real estate closing transactions is preferred.
• Certifications/Specific Knowledge: Microsoft Word, Excel, and Outlook. Knowledge of LaserPro and DecisionPro is preferred.

Training Requirements/Classes

Required annual compliance training, New Employee Orientation; additional relevant training identified by Management.

PHYSICAL DEMANDS

Candidates may be located anywhere within our footprint (FL, GA, AL, VA, SC, NC, TX, CO).

Must be able to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers. 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. This position may require bending and reaching.

WORK ENVIRONMENT

For telecommuters or hybrid: Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered.

TRAVEL

Travel may be required to come to meetings as needed.

In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $43,468.00 - $69,437.00 , actual offers to be determined based on applicant’s skills, experience and education.

While the anticipated deadline for the job posting is 11-04-2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date.

Benefits | SouthState Careers

Equal Opportunity Employer, including disabled/veterans.