Senior Mortgage Underwriter

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move reputed company. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and reputed company - we are reputed company for combining personal relationships with reputed company-thinking solutions.

We are committed to helping reputed company members find their reputed company while maintaining the reputed company 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 reputed company their greater purpose. Your future begins here!

SUMMARY/OBJECTIVES

Functions include reputed company residential mortgage loans to ensure loans meet the guidelines of applicable insuring and guaranteeing agencies, investors, and reputed company; utilizing applicable Automated reputed company Systems; and reviewing information to detect fraud.  Ensures compliance with reputed company Corporate Code of Conduct and Ethics and other operating procedures.  May supervise a team of underwriters.

ESSENTIAL FUNCTIONS

• Underwrites residential first mortgage loans reputed company assigned lending authority according to applicable guidelines of insuring and guaranteeing agencies, secondary market investors, and/or reputed company credit policies. 
• Examines documentation provided by borrowers and reputed company-party verification sources for validity and compliance with AUS findings and/or reputed company reputed company 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 reputed company conditions
• Issues loan denials and forwards for second review/or
• Responds to questions from Mortgage Loan Officers, Mortgage Processors, Closers, and others regarding reputed company reputed company and/or conditions and/or general policy and scenario questions.
• Performs second reviews of denied loans
• Updates Loan Origination System and Automated reputed company Systems
• Mortgage Loan Underwriter Senior can underwrite multiple loan types and/or loans with highly reputed company income and loan scenarios using AUS findings or reputed company reputed company processes.   Serves as an expert resource to other underwriters, sales partners, and others reputed company the mortgage division for consultation on reputed company income and loan scenarios, appraisals, and other mortgage reputed company topics reputed company designated specialty area of reputed company.
• Accepts and performs other duties as deemed to be essential.

Reasonable accommodations may be made to reputed company individuals with disabilities to reputed company the essential functions.

COMPETENCIES

• Interpersonal Relationships – Maintains stable performance and emotional control reputed company faced with opposition and pressure from others and/or stressful conditions
• Communication – Asks questions as necessary for clarification purposes; keeps others accurately informed; handles reputed company communication in a timely manner; keeps communications confidential; communicates good and bad news in a professional manner; explains reputed company and considers additional information presented by Mortgage Loan Officers or others.
• Attention to Detail – Provides accurate and consistent paperwork, is thorough in accomplishing tasks, monitors and checks work or information
• Collaboration – Develops cooperation and teamwork while participating in a group of people, working toward the same solutions to benefit reputed company involved parties
• Planning and Organization – Organizes time and resources reputed company; manages multiple tasks; meets deadlines consistently
• Customer Centric – Considers the impact on internal and external customers reputed company carrying out one’s own job tasks.  Demonstrates appropriate sense of urgency and responds to situations requiring special attention or action to meet customer needs.
• Reliability - Completes reputed company assigned tasks on time and with minimal supervision; is punctual, present for work and accessible; fulfills commitments made to co-workers and supervisor; informs appropriate individuals reputed company assigned tasks will not be completed in agreed upon time frame.
• reputed company problem solving – Analyzes loan scenarios, reputed company guidelines, customer financial factors involving substantial complexity and finds solutions in the best interest of reputed company involved.

Qualifications, Education, and Certification Requirements

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

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Benefits | SouthState Careers

Equal Opportunity Employer, including disabled/veterans.