Lending Support Officer - Southern Branch

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Regular Full-Time Lead Hernando, MS, US

4 days ago Requisition

This position may be based out of any Southern Bancorp branch or remote locations.

Southern Bancorp is more than a 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‑(under) banked populations, as well as an emphasis on Black and Brown individuals.

This role supports the management of troubled loans, criticized/classified assets, and high‑risk borrowers by coordinating documentation, monitoring loan performance, assisting with workout strategies, and ensuring compliance with internal policies and regulatory requirements. The ideal candidate is detail‑oriented, analytical, and capable of working with sensitive and complex credit situations.

This role is expected to demonstrate the following supervisor leadership competencies:
Empowering Leadership, Business and Financial Acumen, Information Decision Making and Problem Solving, Managing Talent, Strategic Execution and Direction, and Owning Results.

• Manage Lending Support team members, including training, setting goals, performance reviews and hiring responsibilities.
• Track loan performance, financial reporting compliance, collateral positions, and covenant adherence.
• Prepare and maintain watchlists, problem loan reports, and asset quality summaries.
• Gather borrower financial statements, collateral documentation, insurance information, and other required loan documents.
• Ensure records are accurately maintained in the loan operating system and document repository.
• Support the completion of loan modifications, forbearance agreements, extensions, and other workout documentation in partnership with credit and legal teams.
• Assist in the preparation of workout strategies, action plans, and borrower communication materials.
• Oversee sale of bank assets and other collection and recovery activities to secure maximum recovery for the bank.
• Coordinate site visits, appraisals, collateral inspections, and third‑party vendor activity (attorneys, appraisers, consultants).
• Support collection efforts by tracking payments, contacting borrowers as directed, and preparing collection status updates.
• Ensure compliance with internal credit policy, loan servicing standards, and regulatory guidelines.
• Support preparation for loan reviews, audits, and regulatory examinations.
• Maintain accurate documentation for financial reporting support, charge‑offs, and recoveries.
• Recommend process improvements to increase efficiency in troubled loan management.
• Complete all required training.
• Perform other duties as required or assigned.

• Bachelor’s degree or equivalent experience in banking, including 2–3 years lending, credit administration or collections experience.
• Strong understanding of commercial or consumer lending principles.
• Experience supporting problem loans, charged‑off accounts or special assets.
• Familiarity with regulator guidance re: classified assets and workout practices.
• Knowledge of collateral management, loan documentation, and credit analysis.
• Ability to effectively and professionally communicate verbally and in writing.
• Ability to organize, handle multiple tasks and meet deadlines.
• Ability to exercise good judgment and resourcefully solve problems.
• Ability to comprehend written material and ability to interpret financial data.
• Must be proficient in MS Office (specifically MS Word, Outlook and Excel).
• Professionalism when dealing with distressed borrowers or challenging situations.