Mortgage Processor II

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! 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! Functions for this position include managing a pipeline of loan applications, collection and review of mortgage related documents and driving the loan process from application thru closing. Responsible for delivering an excellent borrower experience through direct interaction. Ensures compliance with SouthState Bank Code of Business Conduct and Ethics and other operating procedures. Highly proficient in all loan types and highly complex income and loan scenarios. (ex: complex self-employed borrowers with multiple companies owned, income types, etc.). Maintains a high level of expertise of the policies, procedures, investor guidelines, bulletins, and alerts. Review and analyze application, supporting documentation, AUS Findings, and Investor program guidelines to evaluate acceptable source of funds for closing/reserves, calculate all sources of income, and review collateral for acceptability to determine overall credit worthiness and investor salability. Request documents from Mortgage Banker and/or customer, keeping both up to date on the loan status. borrower white glove experience Submit complete and accurate file to applicable Automated Underwriting System and SouthState internal Automated Underwriting System (Candor) or any other applicable technologies, follow up and clear all conditions. Submit complete and accurate file to closing. Coordinate closings with all parties and manage pipeline to meet closing and lock expiration dates. Ensure compliance with SouthState Bank Code of Business Conduct and Ethics and other operating policies and procedures. Complete compliance training, adhere to all anti-money laundering guidelines and procedures and all regulatory requirements. Maintain up to date knowledge of industry standards, regulations, and market trends. Assist with post-closing, government insuring, and pre/post-audit reviews. Accept and perform other duties that are determined to be essential. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Requirements

5+ years in mortgage industry
5+ years underwriting and other operational experience
Excellent interpersonal skills
Strong knowledge of guidelines and all loan operations functions.
Excellent knowledge of Loan Origination System and Automated Underwriting Systems (Encompass experience is a plus).
Top notch customer service skills with an emphasis on relationship building.
Must be able to multi-task; good computer, and organizational skills.
Ability to communicate effectively verbally and in writing.
Interpersonal Relationships – Maintains stable performance and emotional control when faced with opposition and pressure from others and/or stressful conditions.
Communication – Ask questions as necessary for clarification purposes; keeps others accurately informed; handles all communication in a timely manner; keeps communications confidential and on a need to know basis
Attention to Detail – Provides accurate and consistent paperwork, provides information on a timely basis, is thorough in accomplishing tasks, monitors and checks work or information.
Collaboration – Highly proficient in developing cooperation and teamwork while participating in a group of people, working toward the same solutions to benefit all involved parties.
Time Management – Organizes time and resources efficiently; manages multiple tasks; meets deadlines consistently.
Customer Service – Provides excellent service to internal and external customers

Responsibilities

managing a pipeline of loan applications
collection and review of mortgage related documents
driving the loan process from application thru closing
delivering an excellent borrower experience through direct interaction
Review and analyze application, supporting documentation, AUS Findings, and Investor program guidelines to evaluate acceptable source of funds for closing/reserves, calculate all sources of income, and review collateral for acceptability to determine overall credit worthiness and investor salability.
Request documents from Mortgage Banker and/or customer, keeping both up to date on the loan status.
Submit complete and accurate file to applicable Automated Underwriting System and SouthState internal Automated Underwriting System (Candor) or any other applicable technologies, follow up and clear all conditions.
Submit complete and accurate file to closing.
Coordinate closings with all parties and manage pipeline to meet closing and lock expiration dates.
Ensure compliance with SouthState Bank Code of Business Conduct and Ethics and other operating policies and procedures.
Complete compliance training, adhere to all anti-money laundering guidelines and procedures and all regulatory requirements.
Maintain up to date knowledge of industry standards, regulations, and market trends.
Assist with post-closing, government insuring, and pre/post-audit reviews.
Accept and perform other duties that are determined to be essential.