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Nicky Harris serves as Assistant Vice President at South State Bank since 2018 and has been associated with First Capital Bank as AVP and Consumer Loan Manager since 2004. At First Capital Bank, Nicky Harris created and manages a Centralized Consumer Credit Underwriting Unit, overseeing a loan portfolio of approximately $21 million and implementing policies responsive to Dodd Frank Mortgage Reform regulations. Previously, Nicky Harris worked at Wachovia, a Wells Fargo Company, from July 1987 to April 2004, where responsibilities included underwriting consumer real estate loans and managing a substantial loan portfolio of about $175 million. Nicky Harris's educational background includes attendance at Virginia Tech.