Consumer Real Estate Underwriter

Southstate Bank • Va, NC

6d

About The Position

The Consumer Real Estate Underwriter follows South State Bank policies and procedures while exercising competency, courtesy, and concern for the bank’s development. The position underwrites and reviews consumer real estate loans to ensure proposed loans adhere to policy guidelines, collateral documentation is adequate, and loan administration and review support the quality and profitability of the consumer loan portfolio. The role underwrites loans within prescribed time frames, discusses pre-qualification with lenders before loan submission, and reviews and decides applications within the employee’s authority. It also analyzes tax returns, prepares cash flow analyses, and reviews valuation methods, including tax assessments, appraisals, and Automated Valuation Models. The position has no supervisory responsibilities and does not require travel.

Requirements

• Minimum of 3 years of consumer underwriting experience in banking.
• Good interpersonal skills.
• Good computer skills.
• Ability to read, write, speak, and understand English.
• Ability to effectively access and interpret information on computer screens, documents, and reports.

Nice To Haves

• Bachelor’s degree in Business Administration, Finance, Accounting, or a related field preferred.

Responsibilities

• Underwrite consumer real estate loans within prescribed time frames.
• Be available for pre-qualification discussions with lenders before loan submission.
• Review loans and make approval decisions within assigned authority.
• Analyze tax returns and prepare cash flow analyses.
• Review valuation methods, including tax assessments, appraisals, and Automated Valuation Models.
• Maintain a neat and professional personal appearance in accordance with bank policy.
• Accept other duties as assigned.
• Complete new employee training and required annual compliance training.

What This Job Offers

• Job Type: Full-time