Consumer Loan Processor (FL, GA, AL, VA, NC, SC, TX, CO)

South State Bank•Winter Haven, FL

2d•$48,647 - $77,710•Remote

About The Position

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 It is the responsibility of the Consumer Loan Processor to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Functions include managing a pipeline of loan applications, collection and review of consumer loan related documents and driving the loan process from application through closing. Maintains compliance with SouthState Bank Corporate Code of Conduct and Ethics, regulatory requirements, Loan Policy, and Internal Procedures. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position is expected to perform the specific duties, tasks, and responsibilities as outlined below: Receives incoming consumer loan closing and title requests in the Bank’s consumer loan origination system, including, but not limited to the following loan types: HELOC’s Manufactured Homes with no land Modifications Reviews loan approval, supporting documentation, and Bank systems to determine that the appropriate due diligence is completed prior to sending loan request to consumer loan closing. 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 (including communicating the with insurance company), Settlement Statements/HUD/Closing Statements, funding documentation, initial disclosures, titling information, purchase contracts, entity documentation, appraisals. Requests documentation from Customer and/or Lender as applicable to the loan submission. Order third party services including, but not limited to, tax transcripts, title work, flood determination, survey, payoffs, vin verification, and insurance declarations information. Obtain all required conditions as established by underwriting. Keep Customer and Lender updated on document requests and loan status using verbal and written (electronic) communication practices. Coordinates closing date with Lender, Customer and/or Closing Agent Manage pipeline of consumer real estate applications to meet department Service Level Agreements while meeting critical loan dates to provide an exceptional level of service to Customers and Lenders. Ensure the consumer loan origination system data is entered accurately and timely. Submit a complete and accurate loan file to Consumer loan closing. Other duties as assigned by management.

Requirements

Exceptional time management and organizational skills
Excellent communication skills
Computer Knowledge – Possesses basic computer knowledge and the ability to learn other software utilized within the department, as well as any new software programs implemented by the Bank.
Flexibility – Able to keep up with and implement changes made at the direction of Leadership; can handle simultaneous tasks; able to adhere to specific timelines/deadlines.
Customer Service – Provide a high level of service to internal and external customers.
Ability to work independently and in a team environment.
Ability to thrive in the fast-paced environment of the Consumer Loan Processing Department.
Ability to problem solve and appropriately escalate issues when necessary.
Education: High school diploma required; college degree preferred
Experience: One to three years of consumer loan documentation experience required.
Certifications/Specific Knowledge: Microsoft Word, Excel, Adobe, and Outlook.

Nice To Haves

Loan processing with real estate transactions is preferred.
Knowledge of NewGen is preferred, but not required.

Responsibilities

Receives incoming consumer loan closing and title requests in the Bank’s consumer loan origination system, including, but not limited to the following loan types: HELOC’s Manufactured Homes with no land Modifications
Reviews loan approval, supporting documentation, and Bank systems to determine that the appropriate due diligence is completed prior to sending loan request to consumer loan closing.
Requests documentation from Customer and/or Lender as applicable to the loan submission.
Order third party services including, but not limited to, tax transcripts, title work, flood determination, survey, payoffs, vin verification, and insurance declarations information.
Obtain all required conditions as established by underwriting.
Keep Customer and Lender updated on document requests and loan status using verbal and written (electronic) communication practices.
Coordinates closing date with Lender, Customer and/or Closing Agent
Manage pipeline of consumer real estate applications to meet department Service Level Agreements while meeting critical loan dates to provide an exceptional level of service to Customers and Lenders.
Ensure the consumer loan origination system data is entered accurately and timely.
Submit a complete and accurate loan file to Consumer loan closing.
Other duties as assigned by management.