Sr. Lending Officer

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Southern Bancorp is a different kind of bank. As a Community Development Financial Institution (CDFI), a special certification designated for institutions that serve predominantly underserved communities, Southern Bancorp combines traditional banking and lending services with financial development tools and public policy advocacy to help families and communities grow stronger. Inspired by the principle that building net worth drives economic opportunity, our mission is to be wealth builders for everyone in the communities we serve, with a focus on low-wealth and un(der) banked populations, as well as an emphasis on Black and Brown individuals.

Job Summary

Responsible for managing and developing a portfolio of agricultural and business relationships. Cultivate relationships to provide outstanding service to help clients with their financial goals. Determines feasibility of granting loan, facilities efficient loan processing and coordinates loan closing process. Ensures compliance with company as well as SBA underwriting guidelines (when applicable). Stays current on agricultural/small business loan trends. May have latitude for decision making;

or mentor entry level loan officers.

Responsibilities

• Responsible for developing and maintaining a portfolio of agricultural loan accounts
• Makes and services loans and leases within delegated authority and in accordance with association policies.
• Analyzes loan applications, audits loan files
• Services existing loans and counsels customers in an effort to reduce delinquencies and meet bank goals for increasing loan volume.
• Coordinates loan closing process and assists with loan servicing.
• General support of management in operation of the bank including asset-liability management and marketing efforts.
• Performs other related duties as required or assigned

Education and Experience

• High School diploma or equivalent
• Minimum of five years of agricultural and small business lending experience

Other

Skills and Abilities:

• Must have strong sales, negotiating and problem solving skills
• Organizational skills to prioritize responsibilities and meet deadlines in an orderly, productive manner
• Strong client service and interpersonal skills in dealing with both internal and external clients.
• Team-oriented with the ability to work collaboratively across all levels of the organization
• Customer service and collection skills to handle situations which require assertiveness and discretion
• Ability to travel within market and outside of the market periodically
• Must possess and maintain current and valid driver’s license and a vehicle with appropriate insurance coverage

Physical/Sensory Requirements -Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

What we offer our employees:

A positive impact on Your Future:

• 401(k)/Roth plan with immediate eligibility and employer match up to 6%
• Employee stock ownership plan
• Discounted rate on primary home mortgage
• Credit and housing counseling as well as free financial education tools available to customers and employees

Benefits to improve your health:

• No deductible medical insurance plan
• Dental and vision insurance
• Employer paid life and long-term disability insurance
• Flexible Spending Accounts

The opportunity to nurture your well-being:

• Paid holidays and paid time off
• Opportunity for merit raises
• Employee reward and recognition programs
• Community service opportunities

Southern Bancorp is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, gender expression, status as a protected veteran, among other things, or status as a qualified individual with disability. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

As a Community Development Financial Institution, Southern Bancorp desires its workforce to reflect the diversity of the customers and communities that we serve. Racial and ethnic minorities, people from working class backgrounds, women and LGBTQ people are often underrepresented in many financial service industry professions. Therefore, we strongly encourage applications from people with these identities or who are members of other marginalized communities.