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 This position will report to Builder Construction Loan Administration ("Builder CLA") Team Lead. This position is responsible for, but not limited to, oversight of all administration, monitoring and funding of Homebuilder Construction Lines of Credit, Commercial A&D Residential Related Projects and Commercial Other 1-4 Family Construction Loans ("Construction Draw Projects"). Ensure compliance with Bank policies and procedures and all applicable federal and state rules and regulations. ESSENTIAL FUNCTIONS Primary contact responsible for review and approval of Construction Draw Projects, budget monitoring and specific duties, tasks, and responsibilities as outlined below:
Thorough understanding of the review and processing of Construction Draw Project requests in order to ensure proper disbursement of funds as set forth in the Credit Approval, Loan Agreement, Department Procedures and Bank Policies and Procedures
Setup, maintenance, and on-going monitoring of Sources and Uses and/or inventory spreadsheets and/or CLCS and/or Built software as applicable to each Construction Draw Project to ensure sufficient funds are available to complete construction of each specific property Coordinate and perform a detailed review of the inspection and title documents to identify project concerns, cost overruns, current construction status, and title issues Specific to Homebuilder Construction Lines of Credit: Order residential appraisals, flood certifications, title documents, prepare various loan documents, including satisfaction documents, as well as various internal transaction processing Knowledge of liability, hazard, builder's risk & flood insurance
Liaising with Bank customers, third party vendors (i.e. attorneys, title agents, inspectors, etc.) and peer employees by providing assistance through healthy and positive interactions All other tasks, responsibilities, or duties, as directed by management
OTHER SKILLS
Strong construction loan administration experience and general banking knowledge Detail oriented, strong organizational skills, high degree of accuracy Ability to make sound decisions. This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank's exposure to loss or fraud and the ability to think through and rationalize decisions Must be able to maintain confidentiality of customer and employee information Must possess basic English language skills, including spelling and punctuation, in order to write and speak clearly, and effectively Must be well-organized 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 always maintaining a positive attitude
COMPETENCIES * Microsoft Office Word * Excel * Outlook * LaserPro * Other software utilized within the department Qualifications and Education Requirements
Education: Requires High School Diploma or GED, degree in Business or Finance desirable or equivalent work experience in related field Experience: Two or more years' experience with real estate loan closings and construction draw monitoring Knowledge: -
Background/understanding of commercial construction Detail oriented with critical thinking Sound judgment applied in the analysis of problems Independent action exercised in making decisions to solve problems
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. TRAINING REQUIREMENTS/CLASSES
Continuously improve skills through on-the-job and cross-training offered by the Bank and/or by participating in professional training Any additional training as may be needed to perform satisfactorily Required annual compliance training
PHYSICAL DEMANDS/WORK ENVIRONMENT
Must be able to sit for long periods of time Must be able to effectively access and interpret information on computer screens, documents, and reports. Proficient in both an office setting and/or remote work location Must be willing to demonstrate commitment to SouthState Bank's mission and goals
The 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. Equal Opportunity Employer, including disabled/veterans.
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