Platform Consumer Lender

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work. SUMMARY/OBJECTIVES It is the responsibility of the Consumer Platform Lender to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. The Consumer Platform Lender position is responsible for the origination, evaluation and completion of SouthState Bank employee consumer loan and credit card requests and renewals of maturing Home Equity Lines of Credits (HELOCs) in accordance with established bank guidelines, State and Federal regulations and Fair Lending practices. Communicates requests for additional information, final loan decisions, recommends alternative loan structure and/or products with loan applicants. Must have/maintain a strong product and policy/ procedure, working knowledge of all types of consumer loan products to include real estate secured loans. ESSENTIAL FUNCTIONS Serve internal and external customers quickly, accurately, efficiently, and confidentially according to Customer Service Standards. Be available to assist customers and employees with loan questions. Provide the highest level of service to internal/external clients by taking ownership of situations. Assist customers and employees with needs related to the processing loan applications. Maintain a high level of professionalism with other bank employees. Originate, process and evaluate consumer loans requests from bank employees and HELOC renewals in accordance with established bank policies and procedures. Ensure compliance and enforcement of all Bank, State, Federal, and regulatory policies, with emphasis placed on loan policies and procedures. Responsible for the disposition of applications within his/her authority in a manner that consistently balances risk/reward while producing growth in the consumer loan portfolio. Responsible for requesting and evaluating income verification documentation, calculating debt to income and loan to value ratios and review of collateral valuation to include real estate appraisals and Automated Valuation Models. Achieves production, turnaround time, credit quality and support/service established goals. Communicates final loan decisions and delivers any negative response in a positive, professional manner. Maintain an active knowledge base of all of the organization?s loan products and an understanding of the qualifications required of each applicant. Assure all confidential information is properly safeguarded in accordance with Bank policies. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. OTHER DUTIES Accept other duties as assigned COMPETENCIES Consumer Loan Origination and Underwriting Ability to communicate effectively with internal and external clients, Customer service orientation and initiative Ability to follow instruction and work independently in a fast-paced environment; ability to organize work and meet deadlines. Ability to be flexible and accept change with a positive attitude. Qualifications, Education, and Certification Requirements Bachelor?s degree in Business Administration, Finance, Accounting or specific training in a related field with a minimum 3 years of consumer lending experience. Minimum 3 years of consumer lending experience. Consumer Lending, General Banking, Automated Loan Origination and Underwriting systems, State and Federal consumer lending regulations and Fair Lending practices. TRAINING REQUIREMENTS/CLASSES Required annual compliance training; on the job training and any additional training as needed PHYSICAL DEMANDS 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. WORK ENVIRONMENT 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 may be required to come to meetings as needed. Our business model supports the unique character of the communities we serve and encourages decision making by the banker that is closest to the customer. We think and act like owners and measure success over entire economic cycles. We prioritize soundness before short-term profitability and growth.

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