What are the responsibilities and job description for the Sr. Consumer Credit Analyst (Remote: FL, GA, VA, AL, NC, SC, TX, CO) position at South State Bank?
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
The Sr. Consumer Credit Analyst meets assigned goals by developing, analyzing, and monitoring processes in accordance with established Bank policies and procedures. The Analyst is expected to take ownership of assigned tasks and challenges.
Duties & Responsibilities
Manage, assign, & review risks associated with Consumer Banking initial disclosures and adverse actions on new applications by validating disclosures and adverse actions and ensuring processes are executed in compliance with applicable laws, rulings, regulations, and guidance, including print mail reconciliations and delivery failures. Perform quality control duties.
Manages oversight of compliance and audit activities of Consumer Credit Analyst. Support compliance and audit activities by obtaining and reviewing reports and validating that required items were completed accurately and timely. Determine whether appropriate corrective action was taken, when applicable. Provide summary of findings for compliance and audit activities to the Dir. of CNS Credit Risk Mgmt.
Manage system validation and continuous monitoring of embedded rules and processes, testing new releases for changes and functionality to ensure the system is working as designed. Plan and execute testing plans, test scripts, and develop/document procedures. Assist in developing processes/procedures for various tasks within the consumer credit risk dept.
Manage analysis of daily and monthly reports for any open or unreconciled items reported. Provide analysis and tracking until items have been satisfactorily resolved.
Manage tasks and responsibilities assigned to the Consumer Credit Analyst and provides recommendations for performance standards.
It is the responsibility of this role to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications
Education Requirements
High School Diploma, BA/BS Degree preferred.
Minimum Experience
Minimum of 7-10 years’ experience as a credit analyst (or commensurate combination of relevant credit/consumer lending experience). Prior banking experience preferred. Strong interpersonal skills and strong PC skills.
Prior formal supervisory/people-management experience preferred.
Knowledge, Skills, & Abilities
Excellent customer relations and communication skills, planning and organizational skills, good decision-making skills, excellent writing skills, training and oral presentation skills, customer service orientation, and excellent analytical ability
Knowledge of regulatory lending requirements and ensure compliance with lending and documentation guidelines, including Regulation B.
Knowledge of the Bank’s Loan Policy and lending underwriting, procedural, and loan rate guidelines.
Physical Demands and Work Environment
Physical Demands
Ability to communicate in person, on the phone, and through electronic channels
Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
Ability to sit, walk, and/or stand for extended periods of time
Ability to bend and reach
Work Environment
Office: This position reports to a physical Company location, and the setting will be a typical office environment.
Remote or hybrid: For remote or hybrid positions, a secure and distraction-free setting is required, with a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable). Hybrid positions will report to a physical Company location, as directed by the manager, and that setting will be a typical office environment.
In accordance with Colorado law: Colorado pay for this position is anticipated to be between $59,959.00 - $95,780.00 , actual offers to be determined based on applicant’s skills, experience and education.
While the anticipated deadline for the job posting is 07-01-2026, 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.
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
The Sr. Consumer Credit Analyst meets assigned goals by developing, analyzing, and monitoring processes in accordance with established Bank policies and procedures. The Analyst is expected to take ownership of assigned tasks and challenges.
Duties & Responsibilities
Manage, assign, & review risks associated with Consumer Banking initial disclosures and adverse actions on new applications by validating disclosures and adverse actions and ensuring processes are executed in compliance with applicable laws, rulings, regulations, and guidance, including print mail reconciliations and delivery failures. Perform quality control duties.
Manages oversight of compliance and audit activities of Consumer Credit Analyst. Support compliance and audit activities by obtaining and reviewing reports and validating that required items were completed accurately and timely. Determine whether appropriate corrective action was taken, when applicable. Provide summary of findings for compliance and audit activities to the Dir. of CNS Credit Risk Mgmt.
Manage system validation and continuous monitoring of embedded rules and processes, testing new releases for changes and functionality to ensure the system is working as designed. Plan and execute testing plans, test scripts, and develop/document procedures. Assist in developing processes/procedures for various tasks within the consumer credit risk dept.
Manage analysis of daily and monthly reports for any open or unreconciled items reported. Provide analysis and tracking until items have been satisfactorily resolved.
Manage tasks and responsibilities assigned to the Consumer Credit Analyst and provides recommendations for performance standards.
It is the responsibility of this role to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications
Education Requirements
High School Diploma, BA/BS Degree preferred.
Minimum Experience
Minimum of 7-10 years’ experience as a credit analyst (or commensurate combination of relevant credit/consumer lending experience). Prior banking experience preferred. Strong interpersonal skills and strong PC skills.
Prior formal supervisory/people-management experience preferred.
Knowledge, Skills, & Abilities
Excellent customer relations and communication skills, planning and organizational skills, good decision-making skills, excellent writing skills, training and oral presentation skills, customer service orientation, and excellent analytical ability
Knowledge of regulatory lending requirements and ensure compliance with lending and documentation guidelines, including Regulation B.
Knowledge of the Bank’s Loan Policy and lending underwriting, procedural, and loan rate guidelines.
Physical Demands and Work Environment
Physical Demands
Ability to communicate in person, on the phone, and through electronic channels
Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
Ability to sit, walk, and/or stand for extended periods of time
Ability to bend and reach
Work Environment
Office: This position reports to a physical Company location, and the setting will be a typical office environment.
Remote or hybrid: For remote or hybrid positions, a secure and distraction-free setting is required, with a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable). Hybrid positions will report to a physical Company location, as directed by the manager, and that setting will be a typical office environment.
In accordance with Colorado law: Colorado pay for this position is anticipated to be between $59,959.00 - $95,780.00 , actual offers to be determined based on applicant’s skills, experience and education.
While the anticipated deadline for the job posting is 07-01-2026, 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.
Salary : $59,959 - $95,780