Senior Mortgage Underwriter

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

Functions include underwriting residential mortgage loans to ensure loans meet the guidelines of applicable insuring and guaranteeing agencies, investors, and SouthState Bank; utilizing applicable Automated Underwriting Systems; and reviewing information to detect fraud. Ensures compliance with SouthState Bank Corporate Code of Conduct and Ethics and other operating procedures. May supervise a team of underwriters.

ESSENTIAL FUNCTIONS

• Underwrites residential first mortgage loans within assigned lending authority according to applicable guidelines of insuring and guaranteeing agencies, secondary market investors, and/or SouthState Bank credit policies.
• Examines documentation provided by borrowers and third-party verification sources for validity and compliance with AUS findings and/or manual underwriting standards.
• Reviews property appraisals to ensure collateral acceptability in accordance with corporate, agency and investor standards.
• Reviews fraud reports and conditions loans appropriately for resolution of issues.
• Issues loan approvals, reviews and clears underwriting conditions
• Issues loan denials and forwards for second review/or
• Responds to questions from Mortgage Loan Officers, Mortgage Processors, Closers, and others regarding underwriting decisions and/or conditions and/or general policy and scenario questions.
• Performs second reviews of denied loans
• Updates Loan Origination System and Automated Underwriting Systems
• Mortgage Loan Underwriter Senior can underwrite multiple loan types and/or loans with highly complex income and loan scenarios using AUS findings or manual underwriting processes. Serves as an expert resource to other underwriters, sales partners, and others outside the mortgage division for consultation on complex income and loan scenarios, appraisals, and other mortgage underwriting topics within designated specialty area of underwriting.
• Accepts and performs other duties as deemed to be essential.

In accordance with Colorado and Virginia law: Pay for this position is anticipated to be between $76,260.00 - $121,819.00 , actual offers to be determined based on applicant’s skills, experience and education.While the anticipated deadline for the job posting is 08-01-2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date.

Benefits | SouthState Careers

Equal Opportunity Employer, including disabled/veterans.