Consumer Real Estate Underwriter

SouthState Bank; Athens (GA); On-site; USD 50,000 - 80,000; Full time

Job summary

SouthState Bank in Georgia seeks a consumer real estate underwriter to evaluate loan applications, ensure policy adherence, and protect portfolio quality.

Responsibilities include underwriting within set time frames, reviewing appraisals and tax returns, performing cash flow analyses, and participating in pre-qualification discussions with lenders.

This role requires strong English communication, solid banking knowledge, and at least three years of consumer underwriting experience.

Qualifications

• Bachelor’s degree in business, finance, or accounting preferred.
• Minimum 3 years of consumer underwriting experience in banking.
• Strong English communication skills (read/write/speak).

Responsibilities

• Underwrite consumer real estate loans within prescribed time frames.
• Available for pre-qualification discussions with lenders prior to submission.
• Review and make loan approval decisions within designated authority.
• Analyze tax returns and prepare cash flow analyses.
• Review valuation methods including tax assessments, appraisals, and AVMs.
• Maintain professional appearance as required by bank policy.

Skills

Underwriting

Customer service

General banking knowledge

Education

Bachelor's degree in Business Administration, Finance, Accounting or related field

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

To follow the policies and procedures of South State Bank exercising competency, courtesy and concern for the development of the bank. Responsibilities for consumer loan real estate underwriting and review activities to ensure that proposed loans adhere to existing policy guidelines, that documentation is adequate to ensure security of collateral, and that ongoing administration and review is adequate to maintain the consumer loan portfolio’s quality and profitability.

ESSENTIAL FUNCTIONS

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Underwrite consumer real estate loans within prescribed time frames.
• Available for pre-qualification discussion with lender, prior to loan submission.
• Responsible for reviewing and making approval decisions with respect to loans within his/her authority
• Analyze tax returns and prepare cash flow analysis
• Responsible for performing review of valuation methods to include tax assessments, appraisals and Automated Valuation Models.
• Presents a neat and professional personal appearance, in accordance with bank policy.

OTHER DUTIES

• ~ Accepts other duties as assigned.

COMPETENCIES

• Underwriting
• Customer service
• General banking knowledge

Qualifications and Education Requirements

• Education : Bachelors in Business Administration, Finance, Accounting or related field preferred
• Experience : Minimum of 3 years consumer underwriting in Banking
• Knowledge : Good interpersonal skills, good computer skills, ability to read, write, speak and understand English

TRAINING REQUIREMENTS/CLASSES

New Employee Training Required annual compliance training.

RECOMMENDED ADDITIONAL TRAINING

Supervisory Responsibility This position has no supervisory responsibilities.

PHYSICAL DEMANDS/WORK ENVIRONMENT

Must be able to effectively access and interpret information on computer screens, documents, reports

TRAVEL

This position does not require travel.

Salary Ranges

$49,863.00 - $79,653.00 Equal Opportunity Employer, including disabled/veterans.