Mortgage Banker

South State is a trusted financial partner, committed to helping its team members achieve success while maintaining integrity and excellence.

• 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 customers regarding advantages and disadvantages of different products
• Have knowledge of Fannie Mae/Freddie Mac guidelines as well as government products
• Make preliminary determination of applicant’s credit worthiness and issue prequalification statements 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 requests in accordance with bank policy, applicable regulatory requirements and 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
• Advise 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
• High level of interpersonal skills to effectively communicate policies, procedures and objectives throughout the bank and represent the bank positively to the public
• Ability to quickly and effectively respond to customer inquiries and requests in demanding environments
• Capability to handle customer and employee contact situations tactfully and professionally
• Strict compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines
• Assistance to other employees by liaising with them through healthy and positive interactions
• Involvement in performing marketing endeavors/efforts
• Continuous updating of skills by participating in professional training
• Seeking opportunities to improve skills through cross‑training offered by the Bank

Equal Opportunity Employer, including disabled/veterans.