Mortgage Banker - Alabama - South State : Job Details

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 This position is responsible for, but not limited to, soliciting and originating mortgage loans from sources both inside and outside the bank while ensuring high quality customer service and maximum profitability. Essential Functions: This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

• Interview loan applicants
  • Collect and analyze information regarding customer income, assets, investments or debts
  • Determine which bank product best fits the customer's needs
  • Provide advice to customer regarding advantages and disadvantages of different products
• Knowledge of Fannie Mae/Freddie Mac guidelines as well as government products
• Makes preliminary determination of applicant's credit worthiness and has the authority to issue prequalification statement of borrower's eligibility
• Call on realtors, builders, community development corporations and other potential mortgage customers to establish relationships for loan referrals
• Handle processing of loan request in accordance with bank policy and applicable regulatory requirements as well as secondary market criteria and guidelines
• Adhere to Quality Customer Service parameters; Conform with and abide by written policies and procedures for the bank
• Participate in community events and real estate industry functions to identify, develop and promote additional business
• Attend training on all residential lending products, may require travel
• Advice management of new products offered in the market to ensure the bank remains competitive
• Promote and cross-sell other bank products
• Perform other work-related duties as assigned by supervisor
• Expertise in mortgage products and services as well as regulatory guidelines
• Excellent problem-solving skills to identify client needs and resolve problems
• Must have a high level of interpersonal skills to effectively communicate policies, procedures and objectives effectively throughout the bank and to represent the bank positively to the public
• Must be able to quickly and effectively respond to customer inquiries and requests in demanding environments
• Capable of handling customer and employee contact situations tactfully and professionally
• Ensure that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provide assistance to other employees by liaising with them through healthy and positive interactions
• Be involved in performing marketing endeavors/efforts
• Continuously update skills by participating in professional training
• Seek opportunities to improve skills through cross-training offered by the Bank
• All other tasks, responsibilities or duties, as directed by management

Qualifications:

• Must have strong communication skills characterized by excellent writing and speaking skills
• Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
• Must have good knowledge of business English, including spelling and punctuation
• Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers
• Must be well-organized, accurate, and attentive to detail
• Must be cooperative and willing to assist coworkers and customers on a regular basis
• Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others
• Must possess excellent multi-tasking skills and be able to function well under pressure
• Must be able to remain composed under pressure and respond to customer and coworker concerns regularly
• Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times

Physical Requirements:

• Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each work day
• Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift
• Must be able to walk frequently throughout the day
• Must be able to hear and communicate with coworkers and customers throughout the day
• May need to lift up to 25 pounds one to two times a day to perform jobThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Position may require regular before/after normal business hours, or regular out-of-town travel.

Qualifications:

• Bachelor's degree or equivalent work experience
• Minimum two years mortgage origination experience with a thorough knowledge of standard concepts, practices and procedures
• Must have strong analytical skills to perform thorough, detailed and independent examinations of all loan documents
• Relies on in-depth experience and judgment to plan and accomplish goals. Works under limited or no supervision

• Requires strong knowledge of personal computer, Microsoft Office and other software used in department
• Must be able to prepare documents and compose business letters and memorandums
• Requires knowledge of office practices, procedures and general office machines

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed above are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.