Consumer Real Estate Underwriter

SouthState Bank; South Carolina; On-site; USD 50,000 - 80,000; Full time

Job summary

SouthState Bank is seeking an experienced Underwriter to handle consumer real estate loan underwriting and review. The role focuses on ensuring loans comply with policy guidelines, documenting collateral, and maintaining portfolio quality and profitability.

The candidate will review tax returns, perform cash flow analysis, and evaluate valuations including tax assessments, appraisals, and AVMs, while adhering to bank standards and appearance expectations.

Qualifications

• Minimum of 3 years consumer underwriting experience in banking.
• Proficient reading, writing and speaking English.
• Strong interpersonal and computer skills.

Responsibilities

• 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.

Skills

Underwriting

Customer service

General banking knowledge

Education

Bachelor's 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.

In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $49,863.00 - $79,653.00 , actual offers to be determined based on applicant’s skills, experience and education.While the anticipated deadline for the job posting is 11-14-2026, 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.