• Take ownership of all tasks and challenges encountered in the operation of the assigned position. • Manage a pipeline of loan applications, collect and review mortgage related documents, and drive the loan process from application through closing. • Maintain compliance with SouthState Bank Corporate Code of Conduct and Ethics, all anti-money laundering guidelines, regulatory requirements, and all other applicable operating procedures. • Review and analyze loan application and all supporting documentation, including credit report, income documents, asset documents, property documentation, AUS findings, and other documentation specific to the loan submission. • Perform income calculations and asset reconciliations. • Request documentation from Customer and/or Loan Officer as applicable to the loan submission. • Keep Customer and Loan Officer updated on document requests and loan status using verbal and written (electronic) communication practices. • Update LOS, AUS, and any other applicable loan decisioning systems. • Maintain working knowledge of all applicable program guidelines, including any secondary investor guidelines specific to the loan submission. • Order third party services including, but not limited to, tax transcripts, title work, flood determination, appraisal, and insurance declarations information. • Run and review Compliance and Fraud engines; follow established procedures to address and/or clear findings, including updating loan data inside of LOS as applicable. • Submit a complete and accurate loan file to underwriting (internal, private mortgage insurance company, or investor). • Obtain all required conditions as established by underwriting. • Request initial Closing Disclosure and submit a complete and accurate loan file to closing. • Coordinate closing date with Loan Officer, Customer, and Closing Agent. • Manage pipeline to meet established SLA’s and critical loan dates (e.g.: contingency, closing, and lock expiration). • Other duties as assigned by management that are deemed essential.

• Own your files from submission through closing, ensuring accuracy, completeness, and speed throughout every stage of the loan process. • Review new loan submissions for completeness and accuracy, ensuring all required documentation is received. • Communicate proactively, mostly via telephone, with borrowers, loan officers, investors, and contractors to gather missing items and resolve conditions. • Prepare files for underwriting by verifying income, assets, liabilities, credit, and property documentation. • Manage your active pipeline, tracking milestones, and ensuring all timelines are met or exceeded. • Identify potential issues early and work collaboratively to prevent delays or last-minute surprises. • Maintain detailed notes and updates in the LOS to ensure complete visibility for all stakeholders. • Deliver an exceptional experience for homeowners and loan officers, balancing speed with precision. • Support continuous improvement by sharing feedback on systems, workflows, and borrower experience.

Role Description The Mortgage Processor is a vital operational role responsible for managing residential mortgage loan files from initial application through to conditional approval and closing. This position focuses on verifying the accuracy, completeness, and integrity of all financial, employment, and property data submitted by applicants. The ideal candidate possesses a sharp eye for detail, deep knowledge of automated underwriting requirements, and exceptional communication skills, acting as the critical link between Mortgage Loan Originators (MLOs), underwriters, borrowers, and third-party vendors to ensure smooth, compliant, and on-time closing experience. Essential Functions: - File Review & Verification: Conduct comprehensive reviews of newly submitted loan applications to verify assets, employment, income, and credit history in strict accordance with program guidelines. - Third-Party Coordination: Order and analyze mandatory third-party documentation, including property appraisals, title commitments, flood certifications, homeowners’ insurance, and tax transcripts. - Underwriting Preparation: Clear automated underwriting system (AUS) conditions (Desktop Underwriter/Loan Product Advisor) and assemble highly organized, fully documented loan packages for structural submission to the Underwriter. - Pipeline Management: Manage a rolling pipeline of 20–40 residential files simultaneously, meeting strict processing milestones to ensure purchase contract and lock expiration dates are honored. - Stakeholder Communication: Provide clear, proactive updates regarding loan status and missing documentation to borrowers, Loan Originators, and real estate partners throughout the lifecycle of the file. - Compliance Adherence: Ensure all files meet rigorous internal quality control measures as well as state and federal regulatory compliance standards (e.g., TRID, RESPA, Fair Lending). Qualifications - Lending Guidelines: Thorough understanding of current conventional (Fannie Mae/Freddie Mac), FHA, VA, and USDA loan program requirements and documentation standards. - Income Calculation Mastery: Advanced proficiency in calculating complex income structures, including self-employed borrowers, multi-source corporate tax returns, commission, and rental income. - Loan Origination Technology: Direct hands-on experience utilizing modern Loan Origination Systems (such as Encompass, Byte, or Calyx Point) and automated underwriting engines. - Detail & Time Management: Exceptional organizational skills with an innate ability to spot inconsistencies or potential fraud in financial paperwork while juggling tight production deadlines. - Education: High school diploma or equivalent required; an associate or bachelor’s degree in finance, Business, or a related field is preferred. - Experience: Minimum of 3–5 years of recent, direct experience processing residential mortgage loans in a retail or wholesale environment. Requirements - Sedentary Work: High volume of sedentary work, involving prolonged periods of sitting or standing at a multi-monitor desk setup, reviewing dense digital text and financial spreadsheets. - Digital & Phone Interaction: Continuous use of computer components (keyboard, mouse) and frequent clear telephone communication to gather borrower details and vendor documentation. - Visual Acuity: Sharp close-range vision required to carefully examine and evaluate scanned data, tax records, and legal property descriptions for accuracy. Benefits - Comprehensive benefit package including Health, Dental, and Vision Insurance. - Options to participate in a Health Savings Account and Flexible Spending Account. - Life and AD&D coverage, voluntary Supplemental Life, Short-Term, Long-Term Disability, and Supplemental insurance. - Option to participate in a company retirement plan for eligible employees.

Role Description The Mortgage Processor is a vital operational role responsible for managing residential mortgage loan files from initial application through to conditional approval and closing. This position focuses on verifying the accuracy, completeness, and integrity of all financial, employment, and property data submitted by applicants. The ideal candidate possesses a sharp eye for detail, deep knowledge of automated underwriting requirements, and exceptional communication skills, acting as the critical link between Mortgage Loan Originators (MLOs), underwriters, borrowers, and third-party vendors to ensure smooth, compliant, and on-time closing experience. Essential Functions: - File Review & Verification: Conduct comprehensive reviews of newly submitted loan applications to verify assets, employment, income, and credit history in strict accordance with program guidelines. - Third-Party Coordination: Order and analyze mandatory third-party documentation, including property appraisals, title commitments, flood certifications, homeowners’ insurance, and tax transcripts. - Underwriting Preparation: Clear automated underwriting system (AUS) conditions (Desktop Underwriter/Loan Product Advisor) and assemble highly organized, fully documented loan packages for structural submission to the Underwriter. - Pipeline Management: Manage a rolling pipeline of 20–40 residential files simultaneously, meeting strict processing milestones to ensure purchase contract and lock expiration dates are honored. - Stakeholder Communication: Provide clear, proactive updates regarding loan status and missing documentation to borrowers, Loan Originators, and real estate partners throughout the lifecycle of the file. - Compliance Adherence: Ensure all files meet rigorous internal quality control measures as well as state and federal regulatory compliance standards (e.g., TRID, RESPA, Fair Lending). Qualifications - Lending Guidelines: Thorough understanding of current conventional (Fannie Mae/Freddie Mac), FHA, VA, and USDA loan program requirements and documentation standards. - Income Calculation Mastery: Advanced proficiency in calculating complex income structures, including self-employed borrowers, multi-source corporate tax returns, commission, and rental income. - Loan Origination Technology: Direct hands-on experience utilizing modern Loan Origination Systems (such as Encompass, Byte, or Calyx Point) and automated underwriting engines. - Detail & Time Management: Exceptional organizational skills with an innate ability to spot inconsistencies or potential fraud in financial paperwork while juggling tight production deadlines. - Education: High school diploma or equivalent required; an associate or bachelor’s degree in finance, Business, or a related field is preferred. - Experience: Minimum of 3–5 years of recent, direct experience processing residential mortgage loans in a retail or wholesale environment. Requirements - Sedentary Work: High volume of sedentary work, involving prolonged periods of sitting or standing at a multi-monitor desk setup, reviewing dense digital text and financial spreadsheets. - Digital & Phone Interaction: Continuous use of computer components (keyboard, mouse) and frequent clear telephone communication to gather borrower details and vendor documentation. - Visual Acuity: Sharp close-range vision required to carefully examine and evaluate scanned data, tax records, and legal property descriptions for accuracy. Benefits - Comprehensive benefit package including Health, Dental, and Vision Insurance. - Options to participate in a Health Savings Account and Flexible Spending Account. - Life and AD&D coverage, voluntary Supplemental Life, Short-Term, Long-Term Disability, and Supplemental insurance. - Option to participate in a company retirement plan.